BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

TransUnion/XXXX report the account as Closed ; XXXX reports it as Open TransUnion reports a different balance than XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.

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 2023-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$61.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have written this company transunion about a negative remark that appears in my credit file, about one negative mark in my files. they are the only credit company reporting this. i have written for over a year asking for validation, they write me back, saying they have verified it, which is entirely not the same. I have written the governor here in California as well. Validation is by a real human being with a process and signature, not by a XXXX  robot, making harmful decisions, that affect real human beings. I'm not sure how or how the american people allow this, a world where we never interact with a human, robots telling us what to do. I would please like you to send this to the company and where is the validation, documents process, human being i asked for, thanks

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 2023-01-08
Company: Experian Information Solutions Inc.
State: AL
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:
There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 2020-03-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a victim of identity theft. I have supporting documents to support my claims that I am a victim of fraud. Navy Federal closed my account for no reason and I validated my claims with police report to support reasons things happened with my account. A lot of these happened Because I am a victim of identity theft in addition to domestic violence.

Every time I reach out to Navy Federal security they tell me they can not help me and it doesnt matter if I am a victim of ID theft I can never have access to my navy federal account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for a NetCredit loan and was was approved except for the employment verification process. I called each time I resubmitted my application only to be told that the processing department was calling an incorrect number in their attempt to verify my employment. I provided verifiable numbers for my employer, my employers third party verification service including an email address and portal information with employer code. I was told they can only verify employment by phone, which is fine, if the correct number is called for verification. I finally submitted an official employment verification letter along with my most recent application and it was again denied with the following language : Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify employment It is apparent that my application was not carefully considered and I question if they even attempted to truly verify my employment in my subsequent application submissions. Between 5 different customer service representatives, I was told that they were forwarding the correct phone numbers to the processing department, but it does not appear the processing department is responding to any of the corrected information provided. 

I am verifiably employed and should not have my loan denied due to information that is available in multiple forms. If the intent is to verify information on my application, NetCredit has had every opportunity and all the information needed to do so. 

Therefore I must conclude, my application has not bee carefully considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: LEXISNEXIS
State: AL
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 have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them immediately

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 2023-09-03
Company: Experian Information Solutions Inc.
State: CA
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:
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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2021-02-09
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I leased a new XXXX XXXX vehicle though my local dealership using Ford Motor Credit. I returned the vehicle on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received letters from a XXXX  XXXX XXXX in XXXX Michigan by a XXXX XXXX. The letter just stated that it was related the collection of a debt and to call a XXXX. I called XXXX and asked what this was about. She explained it was related to a debt owed to Ford Motor Credit and that since they could not collect it was turned over to them. 
I explained I didn't know of any debt and that she could send me any paperwork related to it so I could see what it's about. 
I did not receive any information from XXXX at that time about the debt. 
I wrote a letter to XXXX XXXX XXXX to ask for supporting information of the debt with no response. 
A called Ford Motor Credit in XXXX and spoke to XXXX XXXX on XX/XX/XXXX at XXXX and inquired about the money owed and any details. They told me they had no record of this loan. 
I then followed up with a letter to Ford Motor Credit Customer Service Department at XXXX XXXX  XXXX in XXXX, NE XXXX relating my call to XXXX XXXX requesting information about the loan. 
Despite calling, writing to both XXXX XXXX XXXX and Ford Motor Credit no information was provided for me to evaluate the validity of the debt. 

My credit was then affected by a charged off notice. This lowered my credit by more than 150 points. As a business owner in XXXX XXXX where I depend on financing to manage my business - this led to borrowers not willing to refinance a number of properties - costing me significant impacts. In addition, my personal credit is used by my employer to be able to purchase online advertising for my clients. We routinely charge XXXX or more to be able to collect a small percentage as fees. This too was impacted limiting my ability to gain a living. 
While I am no attorney, it seems that the practice of not providing adequate information to be able to evaluate a debt due is in violation of the Fair Debt Collections Practices Act ( specifically validation of debts under notice of debts 809/a/4 whereby " the debt collector will obtain verification of the debt ... and a copy of such judgement will be mailed to the consumer by the debt collector ''. 

It was only on XX/XX/XXXX that Ford Motor Credit provided the requested information ( letter from Mr. XXXX ) when I filed a dispute with the credit bureau. 

By then the impact to my credit has been done - and continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent letters to all XXXX credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX MD which is a medical bill. I paid him which is the XXXX  for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal.

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.

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 2021-04-15
Company: Carvana Group, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On XX/XX/XXXX I went to XXXX ok and traded my XXXX XXXX XXXX in to carvana for a XXXX XXXX XXXX everything was good till I had to reach out to them for a registration form because my paper tag was out of date and I was informed that they were not moving forward with the sale that I had to write a letter to the underwriting team and they would not tell me anything else on the issue I still have no clue why this has happened but this morning I had wrecker service show up to get the car and I didn't allow them to take it till I got my trade in back they won't talk on the phone they won't tell me anything and they are trying to pick up the car without giving me back my car I traded in or a reason why it's even happening they never called or sent any notice saying this is what they were doing I wouldn't of even known if I didn't call them to get registration for tag I've tried reach out several ways no one will talk to me about it its been put on my credit report and they are wanting me to make a payment as well idk what to do please can u help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This XXXX account does not belong to me and I also have XXXX personal loan on my account that does not belong to me

Company response to consumer: Closed with non-monetary relief