BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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

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 2023-06-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I noticed in XX/XX/2023 that there are a ot of accounts on my credit report that I do not recognize. I was unsure of the proper way to handle this situation along with the correct steps to follow until now. I am a victim of identity theft and this needs to handled asap.

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 2022-05-26
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX opened XX/XX/2019, 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years. Also the credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2021-10-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX  XXXX of their discrepancies.

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 2023-06-25
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: NY
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:
This attorney illegally took my state refund for a debt they purchased from XXXX. XXXX still sends me bills, This collection agency sent it to a XXXX, they went to court, had a writ of garnishment filed. I disputed it stating its credit card debt, they withdrew the writ of garnishment but still have my state refund. 
Original debt is. XXXX XXXX took XXXX saying I still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Scammer pretended to be legitimate company by taking their likeness and hacking into a third party 's email account to receive XXXX payments. The banks and XXXX will not reimburse me the money because they said I was the one that initiated the payments even though I was lead to believe the person was a legitimate business. This happened XX/XX/23 through XX/XX/23 involving two credit unions. The amount fraudulently taken was {$980.00} at Pentagon Federal Credit Union.

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 2022-07-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ever since I had an email disagreement with Experian CEOs XXXX XXXX and XXXX XXXX, My Experian Credit report has been manipulated in a negative way and inconsistent with my XXXX and XXXX reports. I have been keeping meticulous records and there's no doubt my report has NOT been reporting properly. A few of the tactics used : Positive information would be delayed for a week or longer and sometimes never updated. Inconsistent with XXXX and XXXX. Today my score dropped XXXX pts, yet the only changes to occur were POSITIVE. 
1. Balances decreased by a large amount I would like Experian to attempt to explain how my balances could drop from XXXX  % to XXXX % which is a huge drop considering credit available compared to credit used is XXXX % of an individual 's score. No other changes took place in the 24 hours between XX/XX/2022 my score was XXXX to XX/XX/2022 my score drops to XXXX : my scores with XXXX and XXXX increased during that time with the identical information. 
Now Experian will likely provide their typical XXXX response by claiming the scoring process is determined by a number of factors etc... However, there is no logical or plausible reason for a persons debt to ratio to drop from XXXX XXXX to XXXX XXXX and with no other negative information added that their credit score drop.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019, I applied for credit with XXXX XXXX. This application was denied on the basis that I am " Deceased '', as reported by the Experian Credit Bureau. 

I am still very much alive. 

Experian is reporting my death to everyone right now. 

Experian has no telephone number to report this to, and no e-mail ability either. 

I have written to them but they have not responded.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I sold my house back in XXXX XXXX  I have been owed a reimbursement check I have talked to 3 different agents one her ID was XXXX they talk to fast started reading them, I call and give them my new address they say the will be in the mail, every time no one has a record of me calling, I have went into office locations they won't help, went I to the XXXX branch to get the loan number to file a XXXX help me very nice man told me nothing had been do e the address hadn't be changed, got the account number sent there for about 30 minutes he was trying to fix this for me had 5 minutes to get to work left my number. Have go a call back.

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 2022-07-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I have provided Experian with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following fraudulent account along with the three unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. Account : XXXX Bank XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 2022

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 2023-02-07
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I've written numerous letters disputing the accuracy of the bankruptcy listed on my credit report. My most recently dated dispute sent certified mail with hard copy return receipt postmarked/date stamped XX/XX/2022, I've AGAIN requested you provide me with the proper verification of the information you've entered in my credit file as well as provide me the process ( es ) and procedure ( s ) used to determine this entry is " certified as accurate ''. I included the letter I wrote to the bankruptcy court using the information you have listed in my credit file. I also included the response letter the bankruptcy court sent me stating the court doesn't provide any information to any business, including credit bureaus i.e. Experian, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc. You've already completed the investigation stating the same " certified as accurate. '' Once again you've failed to provide me with the procedure ( s ), process ( es ), and documents used to verify this inaccurate information. I've included in this complaint a copy of the blank bankruptcy section of my XXXX XXXX report as it doesn't list a bankruptcy in my XXXX consumer file, however you have XXXX listed as the source of the bankruptcy entry and closed my dispute stating you've verified this information. Who did you verify the bankruptcy information with and where are the documents showing the information used to verify it. Again, XXXX XXXX XXXX XXXX  Texas XXXX is an inaccurate address, I don't live at the address nor do i receive mail at the address, delete this address per the FCRA. I've disputed this address for over five years and you refuse to comply with 15 U.S.C. 1681. 

In each letter I requested your company mail me the documents used to verify the inaccurate bankruptcy information along with a copy of my FULL COMPREHENSIVE CONSUMER CREDIT REPORT which includes all information included and listed in my credit file by USPS MAIL. 

Per the FCRA, 15 U.S.C. 1681 ( a ), your company has failed to perform your due diligence by fully and completely performing a proper investigation of the inaccurate bankruptcy you've listed in my credit file and on my credit 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 explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

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 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While doing a credit report, I discovered I had a balance of XXXX dollars from a Capital One Walmart credit card. The account was reportedly opened on XX/XX/2022. I never applied for or received this card, therefore I never used it. I have started a fraud investigation with Capital One, and they recommended that I start a claim here as well. I have never received a phone call, an, email, or physical piece of mail from Capital One saying that I have an account with them or that I owed them money. It was only through running a credit report that I became aware of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: WI
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  / XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
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've requested my accounts be verified with the 3 credit bureaus ( Equifax, XXXX and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a XXXX XXXX child that I can barely take care of because I can not get the extra funding to provide for her. I've had XXXX  XXXX and XXXX XXXX XXXXXXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. Equifax really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called Equifax and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Maximus Education, LLC dba Aidvantage
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:
Department of Ed/Aidvantage  reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.

Company response to consumer: Closed with explanation