BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have filed several letters to Experian and XXXX regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: IN
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, 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. 

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX XXXX XXXX XXXX  : Bankruptcy Date Filed XXXX XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Balance - ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : 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

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 2017-05-11
Company: General Motors Financial Company, Inc.
State: LA
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:
After viewing my credit report i realized on  X/XX/2017    AMERICREDIT  FINANCIAL  reviewed my credit without my knowlege or consent.I contacted them twice asking that the inquiry be removed and or send me the documentation with my signature and personal information that was used.They did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I was enrolled in monthly payments of {$23.00} on m y Barclay credit card. I paid off my credit card ( a total of {$1400.00} ). My account was c losed. On  XXXX   XXXX , {$23.00} was withdrawn from my bank account by Barclay. I called customer service requesting my money back and to stop automatic payments since the card was closed and paid o ff ( Statement balance of {$0.00} ). They assured me that I would no longer be charg ed and sent a check in the mail with my {$23.00} back which I received a couple weeks later. On  XXXX   XXXX , {$23.00} was taken out of my account, that i was unaware of. On  XXXX   XXXX , another {$23.00} was withdrawn by Barclay card. On  XXXX   XXXX , I received a statement in the mail notifying me of payment for  XXXX . Neither  XXXX  nor  XXXX   XXXX   XXXX   payment was authorized by me. I had to spend an extra {$30.00} through my bank to get a stop payment request, which over drafted my account, just so Barclay card will not be able to withdraw more money, however that only lasts for six months.

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 2018-11-17
Company: Nelnet, Inc.
State: NY
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:
Several times in the course of the last year, I have made large lump sum payments to my student loans ( Federal ) which are serviced by NelNet. On the subject line of these checks, I write my account number, and the instruction to " Apply to Loan Group with Highest APR!! '' Despite these clear instructions, NelNet repeatedly applies my payments to the loan group with the LOWEST rate, a fixed rate of under 4 %. I don't care to pay down this aggressively, I'm trying to knock out the 6 % APR debt that is growing too fast. 

NelNet errors in their own favor over and over again. Most recently with a lump sum of {$3000.00} sent in the month of XX/XX/2018. I have just emailed them to have it adjusted, and I'm sure they will comply ( as they have in the past ). But it's criminal that the onus is on me, the borrower, to make sure my payments are applied fairly. NELNET IS RIPPING OFF STUDENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023 notice a capital one credit was open without my consent I contacted capital one they close the account and told me to report to identity theft and to all credit bureau which I did now I want the hard inquiry off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at the address XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and terminated my lease early due to military transfer. I attempted to use XXXX XXXX 's online portal to terminate my service in XXXX of XXXX which i assume failed as my service was not terminated until XXXX of XXXX. I called multiple times to try and explain to XXXX XXXX that i had not been living on the premises i was being charged for since the end of XXXX to which they responded that the only way I would be relieved of the {$550.00} charge to my account that occured after I left was to contact the property manager and get them to call XXXX and claim the charges that occured after i left the property. I attempted to do that and the property confirmed it to me however they said i needed to speak with the manager who never returned my multiple calls and emails. This account ( acct XXXX XXXX ) shows up on my credit report as being reported to collections even though the company and property failed to communicate and help me to resolve the charges that are not mine and that occured after i was no longer living at the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: KY
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 {$420.00} and XXXX {$1000.00} has violated my rights. 

XXXX5 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 2022-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a person who had stolen my husbands identity walked into a branch of the BMO Harris Bank somewhere in the XXXX XXXX area. He tried to cash a very dicey looking check ( my husband and I have seen a copy of this check ), and was told that he couldnt have the checked cashed, but that he could deposit it into the joint account checking account belonging to my husband and me and then make a withdrawal. He then made two withdrawals totaling {$8000.00}. In other words, the bank assisted with the theft. When my husband and I learned of this illegal activity on the account, we reported it to Harris Bank. They filed a fraud charge with their department and set up a new account for us with a fraud alert on the new account. Then on XX/XX/XXXX, a person walked into a branch of BMO Harris in Indiana and cashed two fraudulent checks totalling {$7900.00}, using my identity ( despite the fact that there was fraud alert on the account ). We were actually out of the country in XXXX when this occurred. However, we found out about it when we returned, reported the theft to Harris bank, and were told that our checking account would be frozen. They assured us that no money could be taken out of the account. This was on XX/XX/XXXX. However, on XX/XX/XXXX, someone walked into a branch of Harris ( Harris did not tell us of the location of this branch ), and cashed a fraudulent check for {$2900.00} using my husbands, XXXX XXXX, identity. Mind you, this is after we had been assured that our checking account would be frozen. ( No money could be withdrawn by anyone. ) Since then, on XX/XX/XXXX, we withdrew most of our money ( all but {$200.00} ) from Harris Bank. Now, we realize that BMO Harris is not responsible for all identity theft. ( Although we do wonder if they have had a data breach that they are not telling us about. How else was our bank account information stolen? We have had no problems with other accounts or credit cards. ) But the bottom line is that they have been appalling lax about securing our accounts. A fraud alert and even a frozen account were all ignored by the personnel at the bank, as the criminals walked out the door with our money. Isnt the very essence of banking to keep the consumers money safe? Harris tells us that within six months they will complete their fraud investigation. In the meantime, though, we have lost this money, even if it proves temporary, and we are appalled at Harris Bank 's sloppiness and feel the need to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX  and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX  credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX   tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. 

As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to my first complaint (  XXXX  )  NCB Management sent   information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1. Ho w would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now.  XXXX  nor  NCB Management s ent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed t hen NCB sent n otification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX 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 2023-05-01
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
hello how are you doing i have spoken XXXX XXXX from XXXX of XXXX he told me he had nothing to do with decision that was made and i tried calling the other dealers but no answer so now its on you to veto that decision you had made if you don't veto this decision i will take the next step to file a federal complaint to resolved this decision you have ten days 10 to veto this decision and also request the reporting agencies to delete all the hard inquiries on my credit file and i will be holding you personally liable for the unauthorized use of my credit card.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please be advised that XXXXXXXX XXXX  XXXX Account # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 Please know that this is the second time I filed a complaint and still hasn't been resolved. 

I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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

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