BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently two collection companies, XXXX XXXX XXXX and XXXX XXXX XXXX appeared on my credit report with Trans Union, XXXX, and XXXX. I have never done any business or signed any contracts with these companies. Nor have I provided the companies with any written consent to use my name and other identifying information. I do not know how the companies obtained my identity information.

The companies actions have left me feeling vulnerable and violated. And my credit rating is also being damaged because to the actions. It is a Federal Crime to utilize a persons identifying information without any authority or consent.

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 2023-11-07
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage is my student loan servicer. 

When borrowers go to Aidvantage 's website to make a loan payment, before said payment can be made Aidvantage makes borrower agree that they've 'read, understand, and agree to the Electronic Payment Authorization ' ... however they do not provide a copy of this Authorization anywhere on their site. 

I called Aidvantage about this on XX/XX/23 and the rep told me that it was not available on the site but that they could email it to me ... in eight business days! ( Mind you, interest accrues daily on these loans so they are dragging their time out ). 

Eight business days come ( XX/XX/23 ) and I don't receive an email with the promised Authorization. So I sent a message through Aidvantage 's site requesting the copy of that Authorization. ( The auto-response to this message says I will receive a reply in two business days. ) Seven days later ( XX/XX/23 ) I receive a message from Aidvantage saying " We are aware of the issue. I apologize for any frustration. '' They have STILL not provided a copy of the Authorization that they REQUIRE all borrowers to acknowledge having read. This is highly suspect to make people agree to terms that they can't even read! 

I sent another message through the website on XX/XX/23 and have still not received any reply. 

Aidvantage has intentionally hidden necessary terms that will negatively affect borrowers and make them pay extra fees or more money AND they refuse to answer/reply to any calls and messaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: SANTANDER HOLDINGS USA, 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  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informationisinaccurate.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 XXXXXXXX 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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info 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 2023-02-17
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account 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 explanation
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: MD
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:
Account was with Wells Fargo/XXXX XXXX. Account was closed by company as if I closed the account. The company closed the account and caused a huge drop in my credit score plus I was going to purchase more furniture from the company. I would like to have the account reinstated

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed a bankruptcy on my consumer report around XXXX XXXX to Transunion, XXXX and XXXX aksing them to remove the XXXX  XXXX bankruptcy from my consumer reports because they did not have permissible purpose. Pern the Fair Credit reporting act 15 USC1681b permissible purpose to furnish my information to any third party. I am met with repeated responses that it has been verified and will not give me proper information as to how it was verified and did not adress the above reference sttute. I would the bankruptcy removed from all 3 credit bureaus. I have disputed this item numerous time only to get the same results.

I Would like to seek damages of : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil Liability for willful noncompliance [ 15 U.S.C. 1681

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 2023-02-09
Company: EQUIFAX, INC.
State: DE
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 ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 2019-07-13
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 is missing that should be on the report

Complaint:
I noticed that there was a MAJOR drop in my XXXXredit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid 700s to 675! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX ( Account Number:XXXX Balance Owed : {$16000.00} Date Opened : XX/XX/2020 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00}.

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 2023-10-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/2023, My AFFIDAVIT OF TRUTH, has been delivered successfully through the U.S. Postal Service to LVNV FUNDING LLC., by Certified Mail. 

It's Well passed Thirty ( 30 ) Days. I t has been XXXX Months. THIS IS ILLEGAL!! 

Within my AFFIDAVIT, I requested a " DEBT VALIDATION '' from LVNV FUNDING LLC., providing Instructions to what Information is to be delivered back to myself as proof, that I owe this " ALLEGED DEBT ''.

In-Which, Evidence from the " LVNV FUNDING LLC. , '' has not been successful in this regard.

MY AFFIDAVIT HAS NOT BEEN REBUTTED. IT MUST BE REBUTTED. FACT FOR FACT!

Even if the LVNV FUNDING LLC., shared statements as well as a COPY of a Consumer Contract, as evidence of an Alleged Debt, yet according to the decision judgement in the instance of case : XXXX XXXXXXXX XXXX XXXX XXXX - Copies of any consumer contracts are NOT ENOUGH PROOF OF ANY ALLEGED DEBT! That is owed. 

So once more, I request that they deliver the Original Contract that I signed with " LVNV FUNDING LLC., '' that bears my signature as evidence that I RIGHTFULLY OWE THIS ALLEGED DEBT.

12 U.S. Code 3403 - Confidentiality of financial records 15 U.S. Code 1692e - False or misleading representations 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 18 U.S. Code 1028A - Aggravated identity theft 12 U.S. Code 3403 - Confidentiality of financial records 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law This is fraud, aggravated identity theft, harassment, defamation, and misrepresentation.

I did not authorize any agreement or contract with " LVNV FUNDING LLC., '' by my signature.

My Consumer Report has " NEGATIVE '' assumptions from LVNV FUNDING LLC., In-Which is Extremely prejudiced, highly damaging, and devastating to my livelihood and privacy.

U.S. CONSTITUTION ARTICLE VI : SUPREMECY CLAUSE This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX | DOB :  XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification 1. 
XXXX XXXX XXXX XXXX Unverified Account 2. 
SOUTHWEST CREDIT SYSTEMS XXXX**** Unverified Account 3. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Unverified Account 4. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to get a loan from another group only to get a E-mail from CashNetUSA claiming they had denied the loan as they claim the other company was a marketing partner, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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:
I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX went to XXXX ride to cosign for a car loan and when my report came back there was an address ofXXXX XXXX XXXX XXXX XXXX, WI have never lived at this addtress. 
Also listed was XXXX XXXX and i never took out a loan.

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 2023-02-19
Company: IQOR US 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:
Allied Interstate reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681

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 2023-02-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.

Company response to consumer: Closed with explanation