BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-07-31
Company: EQUIFAX, INC.
State: MD
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX and # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I submitted a dispute with Huntington Bank for {$3200.00}. The payment was a car that purchased. The same day the car was purchased vehicle stop working. I advised the car dealership XXXX in XXXX, Ohio the issue and the car was returned. I never received my money back, the owner is not responding to the dispute, I explained to the bank that the car was a lemon, I no longer have the vehicle, the dealership has the car in their possession. The dealer lied about the issues with the car, lied about fixing the car upon agreement. After Huntington Bank investigation, they denied my refund. Again they did not hear back from the dealer, which right there is Fraud. The transaction is fraudulent. FDIC standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The bank is suppose to guarantee the safety of your money. And they did not honor that. FDIC insurance covers all types of deposits received at an insured bank ( Huntington Bank ), including deposits in a checking account. I was blindly robbed for my money due to fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ALLY FINANCIAL REPORTED AN INQUIRY ON MY XXXX   CREDIT REPORT THAT IS NOT MINE.

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 2019-04-12
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:
XXXX XXXX SHOWING AN LOAN ON MY EXQUIFAX, XXXX   AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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: Information belongs to someone else

Complaint:
XXXX XXXX SHOWING AN LOAN ON MY XXXX, XXXX  AND XXXX THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.

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 2023-07-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, XXXX and Transunion. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.

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 2019-04-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive checked my consumer report and the personal information that is reporting is not accurate and is not authorized by me. I am requesting the inaccurate information to be removed from my consumer report immediately. 

Please remove the following names from my credit report. This is not my name nor have I authorized anyone to use this name. 



Please remove the following address on my consumer report, the addresses that are listed are incorrect and were not authorized by me. 



Please remove the following employers on my consumer report, this information does not apply to me.

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 2023-08-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Paypal Syncrony has lowered my credit limit despite never being late or missing a payment. They provided no advance notice that my credit limit would be impacted if I didn't increase usage. This amounts to a lowering of my credit score at a time when I am looking for a new home, as my available credit has decreased and my debt as a percentage has increased. I spoke with a rep today who could only increase my limit to {$2200.00}, still much lower than the {$10000.00} I previously had.

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 2023-07-31
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-04-12
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.

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 2023-08-10
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31
Company: EQUIFAX, INC.
State: MI
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:
I've been fighting XXXX XXXX credit card that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that XXXX told them the information was correct. I contacted XXXX and they told me that the credit card company told them the information was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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:
I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In 2019, My Venmo account and my linked banking account were hacked into because of a security issue on Venmo 's part. I have tried to contact Venmo multiple times to get whatever remaining money I had on my account after they had banned me from their services because I was too much of a liability. But then, they acknowledged that there was a security issue on their end, but then they blame it on me and subsequently, banned me from the service. They have not budged on their stance and as a result, I can not send money to family members and my landlord for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I spoke to a representative from Weltman, Weinberg, and Reis today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Account information incorrect

Complaint:
TransUnion like XXXX is not reporting information correctly and as such is having an adverse reaction on my credit score. My score dropped XXXX points for no reason at all. I have XXXX % debt. Yet the score just dropped for no reason. They are claiming they have no data for any of my revolving utilization which is also inaccurate. These games that the credit bureaus play is just ridiculous. If you are in debt they love you, when you pay off everything they want to punish 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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2023-07-31
Company: EQUIFAX, INC.
State: SC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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 or around XX/XX/2019 and begin to notice unauthorized charges placed on my account and began to contact XXXX XXXX regarding the matter. XXXX XXXX card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. XXXX XXXX is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without XXXX XXXX breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.

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