BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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. 

XXXX : XXXXXXXX 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 XXXXXXXX, has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from my new monitoring service regarding an account from this agency AARGON AGENCY INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$330.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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 do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization 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 2018-09-03
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved. 

The documents submitted are at best inaccurate and at worse, fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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:
1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization 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 2017-09-21
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by US Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America is trying to Foreclosure on me with fraudulent documents that they knew were fraudulent when they sent them to the lawyer to send the Notice of Default letter. This fraud has been going on for years and they are just continuing the Fraud on a daily basis. They were involved with Countrywide Home Loans before they filed for Bankruptcy because they loaned them money and were just trying to recover their investment and then continued the Fraud that was started by Countrywide to start with. I have enclosed documents that prove without a doubt that this debt is fraudulent because the Lender listed on the NOTE and DEED OF TRUST are fraudulent because they are fictitious and were not licensed as a Mortgage lender in the State of North Carolina where the loan was originated. Since the Lender is fraudulent and does not exist they have no Legal claim to collect on this debt. I have also enclosed a document that gives the details on how this fraud started and the methods that were used to continue it to this day. I have also enclosed two copies of the NOTE on this debt one with a Stamp stating the Lender is fictitious and is signed by a Countrywide Home Loans employee and a second copy of the same NOTE whereby the Stamp has been fraudulently removed either by a Countrywide Home Loan employee or by a Bank of America employee. I request and demand that all collection activity on this debt by Bank of America or any third party that they have employed to collect on this debt cease and desist upon receipt of this complaint and the proof of fraud detailed on the enclosed documents. I ask that they notify me in writing that the Foreclosure sale has been cancelled and dismissed because the documents they are using to collect on this debt are fraudlent and they do not have any legal authority to collect on this debt. I further request that any further collection on this debt by any party be considered a violation of the Fair Debt Collections Practices Act of 1977 and be dealt with according to what the above law states.

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 2023-01-18
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/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 2023-04-17
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 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 2023-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I notified Equifax. please see attached identity theft report a copy of my social security card and driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2016, aplied for a {$200.00}, secure credit card, with no fees and interest for 18 months, during the use of this card they charge annual percent of {$25.00} dollars and interest over purchase, I try to fix this but it's too difficult now, I'm in the credit bureau with 2 different card number .I need to clear this debt, I don't owned this and I only use one credit card not other one

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 2023-06-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is sending text messages that. I never consent This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit sms.ccspayment.com. Reference File # XXXX. To opt out, reply STOP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, 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:
XXXX XXXX is an account on my Equifax credit report. The account is closed, and paid off. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: MARINER FINANCE, LLC
State: IL
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 had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan as well..

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 2018-07-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND equifax. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. Equifax has not responded nor has XXXX XXXX XXXX. On XX/XX/XXXX, I called equifax. On approximately XX/XX/XXXX, equifax added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX aka XXXX to make them active. I found out XXXX is using unknown credit cards from XXXX years ago and renewing the the active dates to harm my credit score. I opened XXXX online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach equifax personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning equifax about XXXX XXXX resulted in an immediate XXXX point drop in my credit the next morning with no explanantions. I have waited since XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.

Company response to consumer: Closed with explanation