BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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 XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. 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 explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that  there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: IL
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 have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
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 are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2023-05-11
Company: EQUIFAX, INC.
State: CA
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 bellow has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX account # XXXX 5 ) XXXX XXXX  account # XXXX 6 ) XXXX XXXX account # XXXX 7 ) XXXX account XXXX XXXX 8 ) XXXX account XXXX XXXX 9 ) XXXX account XXXX XXXX 10 ) XXXX XXXX account # XXXX 11 ) XXXX account # XXXX 12 ) XXXX account # XXXX 13 ) XXXX XXXX account XXXX XXXX 14 ) XXXX account # XXXX 15 ) XXXX account # XXXX 16 ) XXXX account # XXXX 17 ) XXXX account XXXX XXXX 18 ) XXXX  account # XXXX 19 ) XXXX account # XXXX 20 ) XXXX account # XXXX 21 ) XXXX XXXX XXXX account # XXXX 22 ) XXXX XXXX account # XXXX 23 ) XXXXXXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting 4 unknown/unauthorized inquires on my credit report they know I'm a victim of identity theft and have a fraud alert on their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, 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 contacted Transunion Twice via First class mail & also by phone. I asked that they please launch a thorough investigation to narrow down the things that shouldn't be present on my report for I had not authorized nor had any knowledge of the inquiries when and how they were made. I stated that by law that they could not mishandle my credit report in the matter they have without any legitimate proof that the inquires were indeed made by myself. I asked them please remove any invalid information that was on my credit report once they were finished. They have constantly gave me the run around and its been more than 30+ days and counting on my second attempt and over 4 months on my first. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I try to call XXXX XXXX  at XXXX and they never pick up the phone. It just rings and rings and then I am listening to HOLD MUSIC for over an hour, each time I call. I think they fired all workers and no one is left to answer the telephone. I keep making my car payment and they keep accusing me of paying it late but that is a lie. I pay it on time but XXXX XXXX  is filing FALSE INFORMATION on my Experian report. They don't answer the phone or even put on a Supervisor when you ask if you get someone after 45 minutes in XXXX or XXXX. I am paying them in American $ dollars I should be getting American 's on the phone. How secure is my data if somoen in the XXXX is looking at 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 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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 explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Problem getting your free annual credit report

Complaint:
When using XXXX.com from the FTC 's website, the Experian credit report will not generate. Instead, you get this error : " A condition exists that prevents Experian from being able to accept your request at this time. ''

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 2017-09-20
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2021-06-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Foster & Garbus , LLP, is a collection agency operating as a Law Office. Pursuant to 15 USC 1692e ( B ) ( 3 ), A lawyer ( s ) can not operate as a debt collector. By Foster & Garbus serving me with court papers and issuing a lien where I domiciled, made finances very difficult on my personal life, a unrebutted Affidavit of Truth was sent to them asking them to validate the debt. Instead of them responding back to me, they sent the CFPB a letter, which I have included in my documents to show. Forster and Garbus is a debt collector operating as a law firm, that false and misrepresentation. Which is illegal, forced and tricked me into paying a debt that they allege I owed, to get a lien removed from where I domiciled. By serving me and having me to believe I was in a actual legal suit, Forster & Garbus , LLP was in violation of 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. And ; On XXXX XXXX XXXX, the Department of Financial Services ( DFS ) announce charges against Forster & Garbus , LLP, Debt Collector for unlawfully pursuing debts after failing to prove right to collect. This a practice of Forster & Garbus, LLP and in XXXX XXXX, the unlawful acts finally caught up to them. I have asked them to provide proof pursuant to 15 USC 1692g, request to validate the debt line by line and I have not received that information as yet.

This is the 2nd notice being sent to Forster and Garbus LLP, requesting them to validate the debt, let the record show that Forster & Garbus LLP. Received my documents via certified mail on XXXX XXXX XXXX which they signed for and instead of responding to me the consumer. They responded to the CFPB and their response is labeled Exihibit B, also notice they did not respond or attempt to answer any of the question pursuant to 15 USC 1692g Validation of Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: FL
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:
So i checked my credit report 2 days ago and noticed that there is supposedly an account thats been open for 2 years and 2 months that belongs to a XXXX year old with my name, it also says there is a missed payment. I believe this only shows up on the equifax report. I think they have confused me with my father because we share the same first and last name, him being XXXX and me being XXXX. It is impossible for this missed payment and credit history to be mine seeing that i am only XXXX and have just gotten a credit card in the last month while in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I'm dealing with Wells Fargo. Earlier in XXXX, I had opened an account with them based on the huge ad all over their front page saying " get {$400.00} free when you make qualifying direct deposits in your checking account in 3 months. click here to create that account ''. So I created the account, and had direct deposited well over the necessary amount ( they had both a {$3000.00} and {$4000.00} offer, but I signed up at the time of the $ XXXX3 mo. ). When I was wondered where the credit was, I called and was told to call back at another time because no one was able to check the eligibility at that time. This led to me calling them nearly 30 times in the past month, being forced to get checked for eligibility about 5-6 times ( they had determined I was those times, but 'did n't have the authority to process the credit themselves ' ). So they forwarded me to the 'Executive Office ' where I was told I could receive the credit of {$400.00} that Friday ( which is 2 weeks ago now ). Well that payment never came in and since then I've been calling regularly with no help, being told someone would reach out to me within 10 business days each call. Being told my case manager ( which was the one who told me I was getting paid on that day ) wasn't available that day. Then to learn today that I currently " don't have a case manager assigned yet ''. Complete XXXX, I had talked to this case manager multiple times and now they just want to sweep this whole thing under the rug like I haven't been trying to escalate this case for nearly a month now.

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 2018-08-20
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Refer to CFPB Complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
Over 10 months I mailed dispute letters to Experian, XXXX, and XXXX  regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX  XXXX  to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on over 10 months directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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