BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
After being a direct deposit client for over 10 years, my card was blocked and I was ask to produce documents to prove that it was me. ( usually I am asked and give 4 digit code, mothers maiden name, birth date and the last transactions made to the cards ) None of this was asked instead I was ask to present documents. So on several occasions I submitted my drivers license with me holding them, my passport with me holding it, my current Tax form letter from social security showing my current address, ss number and the amount of payments. I was denied on at least 4 occasions when I did not submit my ss card which they knew I did not have because I had traveled to XXXX and have been there using the card throughout the pandemic with no real problem like this one. After I was not able to produce a ss card ( which even the ss administration says is almost outdated ), right after receiving funds from COVID RELIEF The company ( NETSPEND ACE ) closed my account leaving me stranded in XXXX without any means of funding myself. ( I do not earn funds nor can I work in XXXX until I am approved by immigration ) My Debit Card and the ATM is my only source as I am a XXXX year old ss recipient.

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 2022-04-05
Company: Credit Plus Inc
State: OH
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 have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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 following accounts have violated my rights : XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CORELOGIC 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:
Didnt authorized the inquiry.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: MI
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 TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
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:
the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
complete violation of the law 15.U.S. Code 1681 b and c

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 2021-06-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to XXXX XXXX XXXX XXXX XXXX they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX is reporting the date of last activity as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-08-08
Company: Alliant Capital Management LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: OH
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:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA XXXX XXXX XXXX XXXX XXXX. As a long-time customer that has had an exceptional payment history with XXXX Of XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX XXXX my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-10-22
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my XXXX, Equifax, and XXXX consumer reports, and I noticed that it is reporting my transactions and experiences with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Cap1/Bass : # XXXX I have requested Capital One to Terminate me as an Authorized User on account for the last 2 months. They refuse to terminate the account in addition to that, they are taking money out of my Bank Account for this card and it's not mine. 

I going to file a sue suit against them as I have requested them to stop attempting and drafting money out of my account and they continue to do so. Telling me the primary card holder has to change the banking account information, but it's coming out of account that clearly has my name on it ... 

The card is maxed out and it's effecting my credit score and causing me problems. 

I going to call the Attorney General and the governing body that covers the banks! 

The Primary Card name is : XXXX XXXX last four of social # XXXX. You can find that account that way!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: Nelnet, Inc.
State: IL
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:
These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We moved from XXXX XXXX XXXX and contacted Chase Auto finance to start the title transfer and registration process in XXXX. We started in XXXX to ensure that the vehicle was legally registered prior to the tab expiration XX/XX/23. We have reached out to Chase Auto, Chase corporate and Chase Consumer Resolution team for the appropriate documentation. We have received documentation XXXX times that is incorrect / missing or not completely filled out by Chase and now the vehicle plates are expired. In MO your vehicle can be immediately impounded if you are pulled over with expired plates. I need my car to get to work. We need help. We continue to pay on the vehicle that we are risking being towed and impounded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They took control of an account where my wages were stored while my wages are EXEMPT from garnishment. When I pointed this out they said that they knew they were not allowed to touch my wages and so thats why they took my bank account where I have around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
America First Credit Union is reporting late payments for XX/XX/21, XX/XX/21. I called and set this account up with auto draft. I should not have any late payments, whether or not the rep did their job is not my fault. I called and made this arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CT
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:
This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is in violation of 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy 15 U.S.C. 1681 section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions I do not know of any account # XXXX named XXXX XXXX XXXX XXXX that is seeking a debt for me that has posted on my credit file. I dont have any written signed Agreement with this company I have not instructed transunion or this company by the name of XXXX  XXXX XXXX to furnish my account without my written consent. 

I have demanded transunion to make this company identify their self and show and send to me by certified mail documentation of my signed written original agreement with this company XXXX XXXX XXXX under 15 U.S.C 1682 g, which this company has fail to do so. Within my 4 day request Also under 15 U.S.C. 1681 S-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 XXXX XXXX XXXX is in violation of 15 U.S.C 1692d section ( 4 ) and ( 5 ) 15 U.S.C 1692 c I dont know this company they have not send any documentation as requested by me.

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