BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
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 acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-16
Company: EQUIFAX, INC.
State: IL
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 acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Early Warning Services, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I know for fact my XXXX XXXX report is XXXX fine good but this early warning systems is reporting XXXX information that is not even correct to prevent me from establishing checking account at any institution Ive never had bad check history of any time my life but this company has not sent me as requested this consumer report that is personal harming me directly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I did have that account, I had a high interest rate which made no sense because at the time my credit score was fine enough to have a lower interest-rate so that means I had to pay more for my vehicle than I should have. I called the company and ask them if they could do anything and they told me that there is nothing that they can do, so I was forced to pay off my loan about a year later Im highly disappointed

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 2023-03-16
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX, XX/XX/2023, I received a credit monitoring notification of a " major derogatory '' reported to the credit bureaus, in the form of " Collections '' on behalf of I.C. System, Inc. with an address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The amount of the " major derogatory '' credit report Collections notification is {$630.00}. 

1 ) I was not made aware of the debt, and for {$630.00}, I could have paid the amount immediately.

2 ) I was not made aware of the debt having gone to collections ; again, I could have paid the amount immediately.

3 ) I was not provided due diligence in determining if the account is mine ; what company I owed money ( if a real debt ) ; nor an opportunity to dispute with the company and/or collection agency.

Under the Fair Credit Reporting Act ( FCRA ), the three ( 3 ) above mentioned points should have been provided.

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America business bank account was restricted on XX/XX/2023 due to their own random suspicions. I made a deposit on XX/XX/2023 of {$81000.00} via check. It was placed on a hold and on the morning my funds were released my account was frozen. The check was issued via XXXX XXXX me and my client went to a local branch and confirmed everything is fine on their end. Prior to that I called bank of america 's customer service and spoke to 7-8 different agents that couldn't do anything but subliminally accuse me of fraud. I visited the my local branch ( XXXX, NJ ) times and was left hanging as well. I feel like I've been robbed of almost XXXXXXXX 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 2023-03-16
Company: Affirm Holdings, Inc
State: DC
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 accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The company is on my report is XXXX XXXX i never had and account with them

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 2023-11-20
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : 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 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 please remove this fraud inquiry from 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 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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

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 2023-03-16
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted IQ data international multiple times. But on XX/XX/XXXX I was told to submit I was told to submit proof of residency from XXXX I sent that In and on XX/XX/XXXX I was told theyre going to mail me a identity fraud packet. IQ data international has only verified my name and social Ive told them Ive never lived at that address they cant even tell me where the apartment is or what else theyve verified outside of my Name And social security number which anyone could have access to considering my wallet was stolen around the same time ( XXXX ) the address that they say I rented isnt on my credit reports anywhere. At this point theyre just violating my rights for XXXX XXXX that I legitimately dont owe the only way to resolve this without legal action is to have this removed from my credit report immediately this defamation of character and improper representation of reporting debt that I owe. I feel like Im being discriminated against because XXXX XXXX and they personally dont want me to succeed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I enrolled in a course from XXXX XXXX, 5 days later I called them to let them know that my sister has passed away overseas and I will be overseas for a while and because of the family emergency i will not be able to focus and internet as well as electricity in XXXX are difficult, therefore, i asked to be withdrawn, i was told yes that my request is sent. I went overseas, 3 months later when i get back i found out that i was sent to collection and my request was never sent. I contacted the school they said that they will process my request and removed the collection and i am still receiving phone calls and mail.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 2023-03-17
Company: EQUIFAX, INC.
State: AL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
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:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to a ATM machine on Friday, XX/XX/2023 approximately between XXXX to XXXX or XXXX oclock to deposit {$500.00} cash so I can pay my rent same day so I would not be late on my payment. When I get to the ATM in XXXX XXXX XXXX in XXXX XXXX Florida there was a line, I waited in line where I was the 3rd person, when it was my turn I scan my debit card and put my PIN number and follow the depositing prompt the deposit door open for me to put the money I did, afterwards the ATM machine started acting up opening and closing several times, when I see that the person that was in the line waiting for there turn said to me looks like the machine dont want your money, after they said that to me I reach to get my money back but the machine closes and started processing while it was processing a quick error message pops up and quickly disappeared didnt even get a chance to read it. Afterwards the screen just went to Home Screen didnt even print no receipts or even asked me if I want to print my receipts. When I saw that I thought it was weird so I scan my debit card again and check my checking account to see if the money deposited but it was not. I was confused, so I pretended to make a deposit to see if the deposit door would open so I can see if the money still in there but when it opened there was no money in there, my heart start beating fast because the line was getting longer so before I let the other person that was waiting go next I printed my balance that I had in my account so I can get the customer service number to make a claim and I also call the police to set a police report but they did it over the phone with me had the case number and claim number 3 days later I call the claim department to follow up with my claim they told me that it will take XXXX to XXXX business days to investigate and get a decision, after XXXX to XXXX business days I called they told me that they sent my claim to the wrong department they going to sent it to the non fraud ATM claim department that it will take another XXXX to XXXX business days to get a decision after XXXX to XXXX business days they call me saying that after their investigation my claim was decline/ denied and that the machine didnt have extra money in there and that the machine show no errors.I was mad and frustrated and confused. I just want my money back. So I went to the bank talk to a manager and she file a claim for me in the executive office after XXXX to 7 days executive office stand with the claim decision to decline/ denied my claim. I want help, I want surveillances to pull and I want my money back please help me. I want my money back and more for putting my through stress and late in my rent and I had to borrow the money to pay my rent and still have not pay back the money yet.

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 2023-03-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to work with navient about lowering my payments, but they have offered me no other option but to go into default because I can not continue making the payments. I have found a company to help me refinance the loan once it defaults. The problem is that the navient keeps calling me several times daily, even though I have told them about my problem and that I can no longer continue to pay them at 14 % interest rates, which they keep increasing with no help. So I would like them to stop contacting me. But they continue every day into the evening, several times during the day. I tried to work it out with them but they offer not support so I am having to do this as the only solution to deal with this predatory private student loan.

Company response to consumer: Closed with explanation