BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two  checking accounts with USAA. I asked for over draft protection for account ending in XXXX and to be secured with my USAA savings account. The agent of USAA did the set up but put over draft protection on the savings account with checking account as the cushion. This was done on XX/XX/XXXX. I had a NSF fee of {$29.00} assessed to my checking account because the agent placed the over draft on the wrong account and now they will not reverse my NSF fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

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 2021-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is written notice to ceo of XXXX XXXX  XXXX XXXX XXXX that I am invoking my right of rescission pursuant 15 usc 1635. My assignment rights have been violated. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, any obligation be set off, any security interest cancelled and all money be mailed by check to the address of XXXX XXXX pursuant 15 usc 1635 in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

2.XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AES/PHEAA
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to Fed Loan Servicing and told them my credit report is showing XXXX XXXXays late in XX/XX/XXXX. I have XXXX loans with Fed Loan, and XXXX out of the XXXX loans are reporting this error. I have provided XXXX, XXXX, and XXXX with a confirmation XXXX XXXX XXXX XXXX from Fed Loan Servicing that includes all loans that went under deferment from XX/XX/XXXX to XX/XX/XXXX. I requested the forbearance due to domestic XXXX I went through, which was filed in the courts, resulting in a divorce. 

This reporting error is literally ruining my credit. I have been turned down for employment and other credit because of this. My last attempt to get this resolved was XX/XX/XXXX and the credit bureaus have changed anything. I honestly believe they are simply not doing their due diligence in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from Experian on XX/XX/XXXX. The email quoted " Congratulations your fico score went up! Come see what's unlocked '' then there was a button that said explore card options. Below that it XXXX you've worked hard and your credit score shows it, now see what kind of credit card offer are waiting for you. Its easy your only one click away, don't worry it won't affect your credit score '' I pressed the button where there were several credit card options and i applied for a XXXX  card thinking i was good to go, thinking my credit score would not be affected. I was denied and my credit score went down 7 points and i have an inquiry that will stay on my credit report for 3 years. 

I feel i was mislead by experian thinking my credit score would not be affected. I'm XXXX years old and i did work hard on my credit, i would never put a hard hit on my credit report. My goal is to own a home and experian and their trickery bought me down. I would like for them to remove this inquiry and put my XXXX credit score back to my credit file. Thank you.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX  XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number 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 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Today I called Capital One to file a dispute with two Charges from XXXX. The representative that I spoke was not paying attention being she had asked me if I discussed the charge with my husband and I said no there was no reason being he has his own XXXX account but that was not enough with her being she maybe he used it. I told her there no reason to discuss the dispute with him as he did not use my card being he does not have my card ( s ). The representative informed that she was going to send me a card and I said no but that did not stop from deactivating my card without telling me. I became very upset. I then spoke with her Supervisor XXXX who said he can not do anything being card was de-activated already. I then informed him that I want my card sent to me overnight and he said no problem. After he gave me my case number at my request he stated he can not send me a card and that I would have to speak with a Supervisor in the Specialist Dept. he did not know why he could send me a card. He informed me he was going to explain to the Supervisor the situation. I then spoke with XXXX whom started process to mail me card for which I explained that the Supervisor promised me my card would be sent over night. I was then told she can not send me my card over night but would speak with someone higher up. She came back on the phone to tell that she can not do anything that I would be receive my card 4-6 business days. I was very upset and I informed her that I would file a complaint with this agency. I want to this agency to investigate why my card was deactivated without my consent or knowledge and why did the Supervisor could not send me a new card and finally why he failed to inform XXXX to mail me my card over night. Please feel free to contact me via email if anyone has any questions. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this. 
XXXX This inquiry was not authorized 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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written 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 explanation
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Submitted application showing unemployed XX/XX/23. Was told Id receive follow up emails every 10 days. That was a lie. Never received anything. Called again on XX/XX/23 and spoke to XXXX ( ID XXXX ) at XXXX XXXX AFTER HOLDING FOR TWO HOURS. Was told I submitted XXXX app too early and it would be processed in XXXX days. Seems random and like she was just trying to get me off the phone. Nothing ever came of it. Application still in review. Was also promised callback and email. Also lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt appears to be from an emergency room visit from XX/XX/2017. I was not aware of the debt or ever given an opportunity to review the details. I am still not sure what this is in regards to. Also, this debt is over XXXX XXXX XXXX. 

Also there are 3 collections listed all for similar amounts and for the same date. the amounts and account numbers are : XXXX XXXX Acct # XXXX XXXX {$1400.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} I tried to dispute this collection previously but was told it was valid and never received any details regarding the charges. I need to see a detailed bill, my signature accepting the charges and the notice that I should have received advising me that this was going to collection. 

I was able to research XXXX XXXX and they operate the emergency room at XXXX XXXX XXXX. I contacted the hospital and they had no record of the visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Armstrong Teasdale LLP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to XXXX XXXX, XXXX and IRS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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: Investigation took more than 30 days

Complaint:
The FCRA requires ChexSystems to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. After receiving a response from a previous dispute, I resubmitted a dispute on the XXXX of XX/XX/2023 and even received a confirmation letter telling me that the dispute has been received and is under investigation. However, ChexSystems did not respond to my dispute even after 41 days. I had to call and request for an update only to be told that the dispute was deemed invalid. I did not receive any correspondence from ChexSystems informing me about the validity of my dispute letter. It's only after the call that ChexSystems sent me a correspondence about the dispute submitted XXXX days ago. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove XXXX XXXX  XXXX and 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 2019-10-05
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation