BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report has accounts and hard inquires on it that was not me who applied for these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
All Accounts in XXXX XXXX  XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and TransUnion are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.

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 2021-05-31
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: Account information incorrect

Complaint:
On XX/XX/XXXX Experian opened my dispute for account XXXX XXXX XXXX XXXX They updated it on XX/XX/XXXX stating this account was REMOVED from my credit report. Then on XX/XX/XXXX they reinserted this account to my credit report with no explanation or did NOT send me a notice 5 days prior to the reinsertion and that is a FCRA violation. I have sent them countless letters asking for an explanation and to validate this account to make sure it is accurate and I feel like no investigation is being done correctly as per FCRA guidelines.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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 pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. This is the account needed to be deleted : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete this account 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 2023-12-07
Company: Exeter Finance Corp.
State: FL
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 am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed EXETER FINANCE LLC furnished the following information to my consumer report and it is invading my right to privacy. 
EXETER FINANCE LLC-Date Open : XXXX Account number XXXX Amount : {$4800.00} I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information per 15 U.S. Code 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRA 's ( XXXX, XXXX, XXXX ). 

EXETER FINANCE LLC did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information per 15 U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). EXETER FINANCE LLC violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my data by EXETER FINANCE LLC for the account opened on XX/XX/2022 With Prejudice By : XXXX  : XXXX All Natural Inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

Company response to consumer: In progress
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit report act XXXX XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a short sale for my property. I have lost an offer due to unnecessary delay of servicer in reviewing submitted documentation. I resubmitted and offer again and the short sale package was deemed complete in XX/XX/2018 and as of today the file has been escalated for internal review five times to no avail. I am again about to lose a second prospective buyer due to loancares negligence.

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 2019-02-01
Company: Credit Bureau Services Association
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to collect XXXX from me in which is not a valid debt. I do not owe XXXX  XXXX any money. These charges are made up and fradulent. I have spoken with them several times to remove but the landlord had refused due to a personal hate he has for me. It is wrong and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When XXXX loan repayment started up in XX/XX/2023, I noticed that my loan went from 0 % interest to 6.8 % interest. I was very surprised, as my loan was not 0 % interest due to the pandemic, it was at 0 % because I have been paying on this loan for over a decade and had paid down all of the interest prior to the pandemic. Furthermore Ed Financial Services made no attempt to disclose this change to me. This is price gouging and a clear violation of the Truth-in-Lending Act. I tried to reach out to Ed Financial about this and received no response do to " high volume of emails. '' This was over a month ago. I am now paying interest on a loan I had paid all of the interest off on. I will do everything now to pay them off as fast as possible, because I truly don't believe they care about borrowers and will do no thing about this complaint. Warning to other consumers out there, the federal government can and will take you for all of your money. This isn't about repayment its about getting as much money out of consumers as possible.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/, I attempted to reach Wells Fargo Practice Finance regarding a lien placed on my property. I wanted to discuss possibly negotiating a payment amount with someone representing the bank. I also reached out to the lawyer who placed the lien. The attorney 's office noted that because the lien was placed over 9 years ago, that Well 's Fargo had to look into the paperwork. Over last 5 weeks, it has been brought to my attention that Wells Fargo Practice Finance ( WFPF ) sold the debt to XXXX XXXX and that company has since been taken over by XXXX XXXX. WFPF says that they recalled the debt from XXXX XXXX, XXXX XXXX is not familiar with having the debt. I am trying to make arrangements to satisfy the debt, however WFPF has been avoiding calls from me and is not assisting with my attempt to resolve this situation. It is unclear if they currently own the debt as we were told that they never received the paperwork after recalling the debt from 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 2019-02-01
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I want to make a complaint about D.Scott Caruthers collection representative I really don't know how much I owe at first it was {$4000.00} I started paying it went down to {$1.00} something, when my mom got a call threatened her if I didn't call back I was going to get arrested.. I wanted to check the recording but of course they didn't let me.. I called and they said it was now XXXX Now I never had a bill mailed only a verification of payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TN
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 have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my XXXX XXXX that my SSN was associated with an address and name that Im completely unaware of. 

The report made to Experian it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice

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 2023-12-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
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:
Experian and XXXX are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized 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 2023-05-23
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Employee false and libelous attacks as well as physical attacks on me in the branch. 
company closing XXXX XXXX XXXX accounts without notice on XX/XX/2023. 
company closing all credit cards and all checking accounts tied directly or indirectly to me with the intent to do malicious financial harm and physical harm by eliminating an excellent credit history and excellent business rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX - XXXX ) has violated my rights.

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

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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