BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: TX
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. 

Account name : 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. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was made to the account from an external bank account. The payment was rejected due to a name mismatch. However, the credit card company improperly noted that the payment was rejected due to insufficient funds. An email communication was improperly sent out in regards to this matter suggesting the payment was returned due to insufficient funds when we already spoke with a telephone representative and was advised the payment was rejected due to a name mismatch. The email communication and the account should reflect the proper reasoning for the payment being rejected. A proper email communication should be sent out with this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
This is my second 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 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

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 2023-06-12
Company: Experian Information Solutions Inc.
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 am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXXXXXX XXXX Account Name : XXXX, Account Name : Factual Data, Account Name : XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name, 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 2023-02-01
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-06-13
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: 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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2023-02-23
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX ( account number XXXX XXXXXXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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. 



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 2023-04-28
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of Credit Control Service. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. 

I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a bill for XX/XX/2023 student loan payment for private student loans held by Aspire Servicing. I paid the amount due on XX/XX/XXXX and specified the amount to be applied to each loan. I looked at my account and the payment was not applied to specified loans so I made another payment on XX/XX/XXXX and again specified the specific loans for payment. Aspire applied my payments to loans they no longer owned. My co-signers received a letter on August 28th that I was in default on my loans. However, I had made the payment twice for XXXX. I called and they said they would get the amounts paid moved towards the specified loans but will not send a letter to my loan co-signers that the original letter was sent in error. If I had not called, I would have received late fees and a report to the credit bureau. This has damaged the trust between my co-signers and myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Partners Financial Services Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have found an article proving you guys are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my history to 100 %. Goldman Sachs is in violation of 15 USC ( Section ) 1666B for billing error. I have always paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: LEXISNEXIS
State: MD
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:
The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

The XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$1200.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDITOR ADJUSTERS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Friday, XX/XX/XXXX I received an email alerting me that I chose Milestone Mastercard and a card would be sent to me in 7-14 days. The issue is that I have never appliedfor a Milestone Mastercard. 

I first searched the company and tried to call them to alert them that I did not apply for the credit card, but upon calling the number I found through their website they prompted me to input my social security number. I did not input my SSN and tried to call the XXXX XXXX XXXX  which is the issuing bank on XX/XX/XXXX in the afternoon. 

The XXXX XXXX XXXX transferred me toGenesis FS Card Services , Inc. While on the phone with them they told me that I could either provide my SSN or would have to wait for the card to arrive in the mail.I did not give them my SSN. 

On Friday, XX/XX/XXXX, I checked my credit reporting and didn't see any hard inquiries. I also locked the XXXX and XXXX credit bureaus and froze my credit with XXXX. None of these credit bureaus had any inquiries or accounts associated with Milestone Mastercard or Genesis. 

The card arrived in the mail early in the week of XX/XX/XXXX, but I was out of town. In the mail the correspondence looked very similar to other credit card paperwork I have received. I did NOT activate the card, nor did I go to the website to activate the card. 

On Friday XX/XX/XXXX I called the XXXX XXXX XXXX again and was transferred to Genesis FS Card Services , Inc. where I attempted to close the account and get it marked as Fraudulent. As far as I can tell, based on the conversation they marked the account as Fraudulent, but weren't able to tell me if there was a balance on the card because I refused to give them my full address or SSN even though I did give them the card number. They also at different times said that they can't give me information on the account because it was marked as fraudulent. They told me that I would not receive anything in the mail to say that this account was marked as fraud and closed unless I went through www.identitytheft.gov and put my information there so they could match it in their system. I told them that as soon as a credit account is closed that I should receivewritten notice and that I believe it was them that actually opened the account and not an individual not related to their business. 

I have checked with the credit bureaus daily to see if there were any hard inquiries or updates to the accounts under my name and there are not. 

My belief is that Milestone Mastercard and Genesis FS Card Services , Inc. send out credit cards like this without an application and then consumers activate the card not knowing that they didn't even apply. I believe this is a shady and perhaps illegal business practice. There is nothing else to indicate that my identity was stolen and someone tried to apply for this card.

Company response to consumer: Closed with explanation