BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XXXX to Experian certified mail each times. Tracking numbers with receipts are attached in images. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2022-08-16
Company: Experian Information Solutions Inc.
State: VA
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: Billing dispute for services

Complaint:
In accordings What the fair credit reporting act XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account numberXXXX  has violated my rights. 

XXXX department of education Account number XXXX Has late payment and I never missed a payment XXXXXXXX XXXX  Account XXXX. 
I tried to change my payment method with gain it took me three emails to let to get a response it charge me a late fee do to the fact they took almost a month to reposed 15 USC 1681 section 602 A states I have the roughy to privacy 15 USC 1681 section 604 A section 2 : It also states a customer reporting Agency can not be furnished 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 2020-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Spouse is using my personal information against my will to process loan modification. Notified the mortgage company I am not in agreenance with a loan modification and was told there is nothing they can do. This has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Been with them every since XXXX and they always never Helping out if need to do loan turn me down always when deposit check they give me probably and my business account been banking with them they always turn me down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ATG Credit, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX, I started receiving notifications via email/voicemail from XXXX that I had a balance due on a student loan with them from disenrolling in the Pastry program there. I returned the phone calls and countless emails with multiple reps in the financial aid office and the admin offices and they couldnt find a account that was past due in any history and wasnt sure why I was still getting notifications. It escalated to the financial dean & the dean of the college and they said the account was fulfilled and nothing was due on my end of things and assured me nothing would go on my credit report and I do not owe any money since Ive paid what I needed previously. Fast forward to XXXX, I start receiving multiple hounding phone calls from multiple random numbers from ATG Credit regarding a past due balance of {$4200.00}. I explained to them that I do not owe this and I have no clue where this amount came up. Coincidentally, the amount coinsides with the amount back in XXXX that I kept receiving notifications for. I explained to ATG that I resolved this last year with the dean and the financial aid office and ATG explained that XXXX was the one that sent it to them. After the phone conversation, ATG was going to contact XXXX and resolve this. In XXXX, Ive gotten about 4-6 calls a day from ATG about collecting the amount and now on my credit report, ATG reported another amount of {$5000.00} and I never received anything in the mail for the past 2 years from ATG or XXXX. This has not only been an ongoing issue for 3+ years, in the middle of a pandemic, its not fair for ATG & XXXX to take advantage of a former student and to recoup any money theyve lost from the pandemic. I do not condone this action and request for it to be finally resolved after all this time because at this rate, I feel like I do have to take legal action if this isnt resolved. Putting in the request with CFPB is my last ditch effort to get it resolved at the consumer level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an 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 2021-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had long-standing problems with Equifax. Ever since I sued them for their breach of credit data, we have had great difficulty getting them to unfreeze our credit reports when we seek to refinance. 

I have been trying to get it release all fall for a refinancing we need to do. I have detailed my experience in a blog I posted on my website XXXX. The link is XXXX XXXX XXXXXXXXXXXXXXXX XXXX 

I have tried faxing, at least twice, and mailed the paper requests. Again today, XX/XX/2021, I got letters from them requesting the same information I have sent in twice before. The certified return receipt was stamped XX/XX/XXXX. The date on the statement we need to submit is XX/XX/XXXX. We have submitted all this information multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX and 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 2022-09-06
Company: Experian Information Solutions Inc.
State: AR
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:
Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : Fraud XXXX XXXX XXXX XXXX : Collection : 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 explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-05-15
Company: Nelnet, Inc.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt collection from the debt collection company Grant & Weber and they agreed to remove from our credit report on XXXX. However been it's been many weeks and they have not resolved it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax. It has been well over 56 days and I have not received a response. On XX/XX/XXXX, I submitted a complaint to the CFPB ( ID XXXX ). On XX/XX/XXXX, I received correspondence stating that Equifax did not believe I was the one filing the complaint. I was advised by the CFPB to call Equifax and let them know I am the one submitting the complaint. I contacted the Equifax dispute department to inform them. Subsequently, I am refiling this complaint. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX  XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT XXXX XXXX, Bankruptcy XXXX XXXX has violated my rights US BKPT CT XXXX XXXXXXXX, Bankruptcy 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 2022-01-08
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I attempted to suspend my services as I do every year. I only subscribe during XXXX season for the XXXX Ticket. I was told I could not until I paid the outstanding balance owed. I paid {$71.00} which cleared my bank on XXXX. I contacted them the following week and was told that they did not receive the payment and my services were cancelled and was quoted another service months worth. I have yet to be credited with the money I paid. After back and forth correspondence I heard nothing else. 

I received an alert from XXXX  advising of a collection account. It was a company named Credence Resource Management. I have not received any notification that this account went to collection agency but they are reporting me. 

I called XXXX XXXX to discuss this and was told that they did not forward account to collections but that I did owe this crazy balance. I advised of my payment back in XXXX and that I could provide proof of payment and was told to mail in a complaint. I have called to speak with a supervisor and was told there was not one and that I would need to mail a complaint. I have paid this and it is not being credited properly and I am getting no assistance from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Insurance company XXXX has been taking out money of my account for months. Small increments at first but yesterday they took {$800.00} out of my account and it put me in the red and owe an overdraft fee. The bank refuses to dispute it saying I have to demand my money back from XXXX. I NEVER authorized XXXX to take any money out of my account, nor do I have them as insurance. I need that money as I live with my XXXX son who can't work.

Company response to consumer: Closed with explanation