BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
Please disregard earlier dispute left out key information This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Recently contacted State Collection Service ( XXXX XXXX, WI XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX-XXXX ) via mail concerning verification of the following accounts XXXXxx XXXXxx I have no knowledge of these debted accounts and want to be sure im not a victime of identity theft. 
According to the FDCPA i have a right to any and all documentation with my signature connecting me with these accounts. I have requested such documentation in writing and the State Collection Agency have not provided me with it thus far which makes the non compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: KS
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 was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the Late payment mark on my account can be removed. You can view my credit report i have never been late on 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 2023-11-17
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been a victim of identity theft. I spoke with someone over the phone XXXX. This individual was posing as a lender for small business. I happen to apply for a few business loans for my small business which was started XX/XX/XXXX. So I believed it was a possible lender as I've sent my application to several lenders. I was threatened by this person. If I didn't give up my username or password to my bank account. I would be in violation of the FDIC. My business and checking accounts were Positive the same day. I have screenshots on my phone. I keep track of all my tasks as a self-employed financial assistant this is absolute protocol. They managed to deposit Two fraudulent checks for some companies I've never worked for in the past or currently. I have filed a claim with the Wells Fargo on the behalf of these accounts. They've not yet requested any of the evidence that strongly support my claim. They have decided to bring both of my accounts for closure. I paid the overdraft fee in my business account to speed up the investigation. I decided to close my business account prior to Wells Fargo 's schedule to bring the business account as wells as my checking account to a closure on XX/XX/XXXX. This has put a restriction on me creating any new bank accounts. Business or checking, due to this madness. So far I have taken drastic measures to protect my identity by not answering phone calls. Changing my passwords.XXXX I reported this to XXXX as I was in need of a direction to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

The letters are stated with items and issues.

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 A
ny 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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit Bureau never did a proper investigation according to the FCRA. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative 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 XXXX have knowledge concerning any such items of information. 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.

According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give anybody written instructions.

15 U.S. Code 1681i states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

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 2023-11-17
Company: JPMORGAN CHASE & CO.
State: MA
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 looked at my credit report a few days ago, and it showed 8 unauthorized credit inquries on my report which I didn't make or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iiXXXX ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, Trans union, XXXX and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.

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 2023-10-26
Company: LEXISNEXIS
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The business information reporting with LexisNexis is old and outdated. The phone number, address my company title and the XXXX codes all need to be updated as some of this information was not reported correctly and other information is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I Was in a bankruptcy. I asked the judge and West Lake Financial if i could have permission to pay the auto loan outside of the bk. I wsas given permission to do so and paid every payment. On XX/XX/2023 I made a normal payment. But when I called in to make my XXXX payment on XX/XX/XXXX I was told they charged it off on the day before on XX/XX/2023 merely 2 weeks after i made my last payment. The auto company ( West Lake Financial ) wouldn't let me make a payment on XX/XX/XXXX as they stated they charged it off on XX/XX/XXXX the day before the payment was actually due. Westlake states they charged it off in error as i came out of XXXX but their system did this and they didnt know how to fix it. They could see it was an automatic system issue. But no fixing that now. So they told me they had no choice but to reposes the vehicle. My Vehicle was picked up Wed XX/XX/XXXX. I tried to make the payment at least 5 times in XXXX and was denied. This has caused a major hardship. I reached out to the owner XXXX XXXX via email on the XXXX of XXXX for help to rectify what their issue was but to date have had no response.

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 2017-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: CO
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:
I paid an account off in   XXXX   XXXX    , with the resold buyer for this account Care Credit. I received a letter from both the new owner of the account and SYNB on   XXXX   XXXX  , that this account will be removed from all 3 credit bureaus. Since then, I run my credit once a year and every year, the  SYNB/Care Credit  remains, I dispute at that time and counter dispute, along with providing them with the letter they sent to me to remove. Sychrony Bank always kicks it back to the bureaus as a valid report. This year I decided to contact the company directly to have this removed since they continue to deny the removal from my disputes with the credit bureaus. I started this process on   XXXX   XXXX  , with  Sychrony  Bank, I provided SYNB the same letter that I have sent to the bureaus. They have acknowledged this should not be on my credit reports. I have contacted Sychrony around  10-12 ti mes requesting an update and have been hung up on, told they can not help me, or that  XXXX   XXXX  or  XXXX , will be giving me a call back. I have not received any updates or call backs, and this account is still listed on all credit bureaus. Please assist in removing this from my credit reports it has been falsely reported for over  2  yrs now. Thank you

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 2020-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services claim I did not pay my XX/XX/2020 mortgage payment even though a hard copy check was mailed to them XX/XX/2020 in the amount of {$540.00} and my XXXX XXXX XXXX statement clearly shows the money was withdrawn out of my account. According to customer service it is up to me to provide proof I paid and until then I will receive a late fee and will have a negative report sent to the credit bureau on XX/XX/2020. XXXX XXXX XXXX shows the check posted XX/XX/2020. I printed out my XXXX checking account statement and faxed it to them as proof as they requested. Also my XXXX account says " No image is available for this check because it was processed by the merchant as an electronic transaction '' and provides a check number and tracking numbers. Apparently this is now not good enough proof as I have been calling Carrington Mortgage Services daily and am told I have to get an image of the actual check. I requested XXXX customer service to do further research and try to find a picture of the check or at least more details. They stated this could take up to 2 weeks and they can only mail it to me. In the mean time my credit will be affected.

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 2020-09-22
Company: Goodman Frost, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been having problems with my credit union because they got a garnishment letter from an attorney. The credit union and the attorney both are trying to tell me the letter went through the courts. The court it supposedly was processed through is in a county that I havent lived in in over 5 years. I called the courthouse and they said the only case they have is from XXXX. I called back the attorney and he stated that the courts were looking at the wrong case and that the case was from XXXX. He said I owe them and better find a way to pay it. My credit union keeps telling I need to settle this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CREDIT ACCEPTANCE CORPORATION
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:
This is not my car load this is a fraud account the car belong to progressive remarking bank I dont have this car it was electronic sign I never signed nothing

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