BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.

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 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Received a promotion from American Express Bank via email addressed to me personally where if you deposited {$25000.00} in a high yield account and kept it there for 3 months, then you would receive {$350.00}. I deposited the money back in XX/XX/XXXX and kept it there for the required time but never received the {$350.00}. when I contacted them, they said I wasn't eligible. I forwarded them the email I received saying that I was eligible. They received the email with the info but keep saying they have to investigate. I have contacted them 7 times since XX/XX/XXXX. I have spoken to numerous managers who just keep saying that they have to send their boss an email to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
On XXXX I had Bankruptcy chapter XXXX and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to XXXX their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
XXXX send this loan to my credit report, I called them today XXXX XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from XXXX to remove my loan from my credit report because of the BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.

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 2023-06-15
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am in the XXXX XXXX XXXX. I supplied military orders to the creditor, in writing and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a second set of orders were supplied XX/XX/XXXX. 

There was no action taken to cap my interest rate at 6 % per the protections of the SCRA military benefit for reservists being called to XXXX XXXX service. 

I supplied multiple examples of SCRA benefits being applied by other creditors, but received no response. XXXX XXXX a VP at central bank, with little explanation on reason for denial of benefit. 

Please help me rectify this.

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 monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: PA
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 name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-29
Company: Army and Air Force Exchange Service
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: Reporting company used your report improperly

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX  XXXX and/or XXXX ) credit report XXXX My latest credit report shows Army & Air Force Exchange Service credit inquiry/inquiries that I did not authorize.

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 2021-03-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX opened this Barclays credit card account without our authorization. They've used our personal information, we don't have any knowledge that they opened a credit card account for us and also made unauthorized charge. I did not agree to any membership, a loan, or a credit card. They used my personal information to open these accounts without my permission. This is fraud and I am a victim of theft. I have filed complaints. They should be investigated for this kind of fraudulent actions. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of 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 explanation
Consumer complaint received 2023-06-15
Company: HYUNDAI CAPITAL AMERICA
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:
I previously reported that Hyundai Motor Finance was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined Hyundai last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. Hyundai made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.

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 2021-03-17
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken directly with XXXX and received direct communication that this amount was in error and cleared and was mistakenly sent for payment. 
The account resolution team XXXX informed me this was removed and that nothing was owed. 

I have informed SEQUIM of this and they still report on my credit reports in error and still continue to harass me illegally. 

They are in direct violation of the FCRA and debt collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have unknown debt collection on my XXXX report, I was trying to dispute it, but the debt collection agency doesnt provide any details on the debt and I dont owe any debts to anyone. 
The debt collection agency still wants to pay debt and my credit score is went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX we told supervisor XXXX to stop calling this number. On XX/XX/XXXX we told operations manager XXXX XXXX to stop calling us after we were called by them again. On XX/XX/XXXX after they called again we told operations manager XXXX XXXX to stop calling here. We told them all that this is our church office and they are calling the wrong number. XXXX refused to stop the calls. I have called my lawyer to report the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 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 2023-06-15
Company: Velocity Portfolio Group
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on my credit report a collection account listed for {$860.00} from CKS Financial. I did not recognize this account nor received any notice regarding the validity. As I went to their website, it directed me to another named Velocity Investments. When I attempt to enter information to pull up this account from their website using my phone and social, no account could be found. I submitted this with a screenshot to the credit reporting agencies disputing this account as I could not verify the account on the velocity investment website. All attempts to contact via their phone number listed on my credit report just sits with a busy signal or on hold. 

Somehow the credit reporting agency says the debt has been validated.

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 2021-03-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i was affected by a natural disaster on XX/XX/2017 my family in XXXX XXXX were hit by a hurricane so to alive and help i pulled all my resources to help them 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 2023-04-18
Company: AMERICAN EXPRESS COMPANY
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:
American express-account ending in XXXX american express is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. XXXX is in direct violation as well for not removing the items under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: SC
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 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 XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-04-18
Company: Nelnet, Inc.
State: VA
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:
In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted Nelnet who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised Nelnet should have the history of my loan and to give them a call back. I have spoken to XXXX from Nelnet who advised she can not view this information and I would need to contact my previous loan company. This company was XXXXXXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-20
Company: EQUIFAX, 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX  Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
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.

has violated my rights. Or a 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 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 2023-10-17
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: Problem with personal statement of dispute

Complaint:
I disputed this account on XX/XX/XXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations

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 2021-03-17
Company: FISERV INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX accepted a check without proper identification and an improper last name. Now, they want me to pay for their mistake. I have never had a 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 explanation