BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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 Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 explanation
Consumer complaint received 2022-04-14
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-07
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:
When I reinvestigated my credit report, I realized that one specific account was erroneous. It is not acceptable to treat this reporting account as unconfirmed information without producing proof, please investigate the unverifiable account : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: ALLIANT CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. 

I need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt

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: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$27000.00}.

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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried multiple times to have these items stricken from my Credit Report with XXXX, XXXX and TransUnion. 

XXXX is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX XXXX XXXX ( documentation attach with XXXX loan balance ). 

XXXX is the worst. They have duplicate Student Loan Information. One for XXXX XXXX XXXX and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX XXXX XXXX for which I have attached documents from online account and a letter I received recently. 

The last is TransUnion, that reflects the Student Loan ( s ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than 30 days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.

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 2020-07-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX and XXXX XXXX sent {$3300.00} to XXXX XXXX using XXXX through Wells Fargo over a course of 8 transactions from XX/XX/XXXX to XX/XX/XXXX. XXXX pretended to be a subleaser of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ( actually owned by XXXX XXXX ) and the money sent was to cover the security deposit and first and last months rent. XXXX said she was in XXXX due to COVID so she could not show the property, but would send keys upon receipt of the money. The money was sent to XXXX XXXX XXXX at XXXX, who claimed to be the financial manager for XXXX XXXX. XXXX claimed to have sent keys, but lost the tracking ID and then stopped replying to any communication over text or email. I ( XXXX XXXX ), never spoke to XXXX XXXX, but spoke to " XXXX XXXX '' on the phone. I also sent " XXXX '' a photo of myself holding my I.D to prove my identity. I filled out a client application form and the lease, which was allegedly signed by " XXXX XXXX ''. XXXX also sent me a " Master 's Lease '' signed by herself and XXXX XXXX, and provided a XXXX profile ( XXXX XXXX XXXXXXXX ) for further profile identification. XXXX XXXX sent {$2100.00} through XXXX, and XXXX XXXX sent {$1300.00} through XXXX, over a total of 8 transactions. Both XXXX and XXXX have filed claims through Wells Fargo. XXXX XXXX 's claim numbers are the following : ( XXXX, XXXX, XXXX, XXXX, XXXX ). XXXX XXXX 's claim number for all three transfers is the following : XXXX. After no response from XXXX, XXXX XXXX found XXXX XXXX 's number and reached him. XXXX said the scam had happened previously, and he did not know XXXX and was currently living in the apartment with his wife. " XXXX XXXX '' 's number is XXXX ( XXXX XXXX XXXX and her email is XXXX. 

I chose to use XXXX because it was backed and linked by Wells Fargo. I was unaware that my money, though being used by a Wells Fargo-backed company, would not be protected. Neither XXXX nor Wells Fargo have helped me in the case, and Wells Fargo said they would call me back over a week ago to explain, and have never called to explain.

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 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
I tried paying through my bank account in the Aidvantage XXXX, but my payments got rejected XXXX. It gave me a message saying " XXXX XXXX '' and that something with my bank account information was incorrect. I also tried to pay via phone, but I could not do so. I tried calling, and a representative said that they were unable to locate my bank account. My bank account numbers are correct, and no charges have been made to my bank account on behalf of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
It has been a year that I have been trying to fix my Credit file by fixing or removing any and all erroneous accounts off of my Credit File and yet the Credit Bureaus have done nothing. I am submitting this CFPB complaint to demand that the Credit Reporting Agencies remove the charge off accounts being reported on my Credit FIle. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to provice accurate information to be reported on my Credit File. I noticed that there are negative items on my Credit File and have been asking the Credit Bureaus to investigate the accuracy of the accounts being reported. The Credit Bureaus have been ignoring my requests neither did they send me any documents supporting their claims that the disputed accounts are accurate. However, they kept reporting the disputed accounts as if these accounts are accurate which is a clear violation of my rights under the FCRA. I need the following accounts removed with no excuses : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. The Credit Bureaus are required to respnd to my disputes and provide documents to support their claims that the information they report are accurate. Yet, the Credit Bureaus failed to so.

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 2022-04-14
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAD A CAR LOAN WITH CAR FINANCE XXXX. THE TOTAL CAR BALANCE WAS {$20000.00} AND THE CAR PAYMENTS WERE AROUND {$420.00}. IN XX/XX/XXXX THERE IS A LATE PAYMENT LISTED FROM THE COMPANY. THIS IS DUE TO SYSTEM ERRORS I WAS TOLD WERE HAPPENING AT THIS TIME AND THAT IT WOULD BE UPDATED. THIS INFORMATION HAS NOT BEEN UPDATED AND IS DRAGGED MY CREDIT SCORE 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 2023-01-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a notification from the Consumer Financial Protection Bureau indicating XXXX is still working on the problem. It has been over 30 days, and according to Federal Law and the Fair Credit Reporting Act, this company should not be granted additional time. By law, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. This agency has been contacted numerous times regarding this complaint and nothing has been done. I would like further explanation as to why my rights are being violated. The law is clear. Please follow-up and inform me of any additional laws which grants this agency additional time in writing. Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-04-02
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday, XX/XX/2020 sometime between XXXX-XXXX the debt company Account Recovery Specialist, INC contacted someone that I know looking for me and about my debt. They have my phone number but decide to call this person. I don't even know how they got their name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 accounts still on my credit from over 10 years ago after I complained and filed that that was no my account I also have inquiries that werent authorized and there are collections still on my account multiple agencies calling me to collect a debt

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 2023-01-07
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, REGIONAL FINANCE - ACCT # XXXX have violated my rights. 

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

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Barclays Jetblue Master Card sent me a notification on XX/XX/XXXX requesting account information. they determined that they needed to collect additional information for their files. they requested a copy of my drivers lic, my social security card and an electric, gas or bank statement. They went on to say if they don't receive this information within 30 days my account will be blocked. Seven days after receiving this letter I sent the information by faxing it over to them. I faxed this information on XXXX XXXX at XXXX XXXX. There station Id no was XXXX and results were ok sent. XX/XX/XXXX I received another letter stating that my account has been blocked. I than placed a call to Barclays and was told that they never received the information that they requested. I resent the information again on XX/XX/XXXX at XXXX XXXX Again to the same station Id XXXX. 
Since Than I have been calling and spending countless hours on the phone with them. They did advise me that they have the information needed and it will take 24 to 48 hrs to unblock the account. Well, this has been going on since XX/XX/XXXX. I Tried again today XX/XX/XXXX and was told the same thing that It will take 2 days to unblock. I have done everything that they requested to no avail. At this point I am being transferred from agent to agent that does nothing. I fly JetBlue frequently and use the card for that reason Can you please help me with getting this issue resolved. 
Thank you 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