BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 4 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.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
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 as other Lenders attached projecting inaccurate credit score. Also projecting already disputed and verified information, which lead to automatic adverse action letter. 

When challenged, they claim that they report only what Experian tells them. Obviously, there is a serious glitch in their systems, and/or bad apples subverting proper information.

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 2019-05-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Depositor by thye name of XXXX XXXX deposited funds into my account another person impersonated through my information and created to steal tyhe funds that were carried over to my new account that was created after double debit probl ; ems occuring .the funds were secured and traqnsfered to my new account information and someone creates a check to steal the funds out my account. it was said to be a company called XXXX XXXX  who wrote a letter on my behalf at they beggining of the claim statimng that they did not retrieve these out my account and never had my banking informatiom=n and that no one from their company can transfer checks that large or recieves any kind of payroll for thee amount of XXXX cent none of the claims at wells fargo were handeled correctly niether did the bank try to call the merchant back that they said recieved the funds back aslo i filed a case with cfpb who tthe bank responded back with that i need to contact thye merchant when i had the leeter from the merchant at the begginig of this sittuation. this not only proves the funds are stolen but i have the response from the merchant as well and witness from wells fargo who heard, mmy debit transactions prooving debit theft .i would like to file paper work for the stolen funds .aslo it was said to be an energy company who witnessed on my behalf with a letter how ever the phone number on file did not match the buisness listed aslo agtyer phone call today XX/XX/2019 that there was no n umber listed proven that the information has been altered and after so many run arrounds i noticed this through alot of phone calls with wells fargo and i know the phone calls are recorded

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 2022-09-20
Company: Open Dealer Exchange, LLC
State: IL
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:
On XX/XX/2022 I decided to look over my credit report using XXXX XXXX. However I noticed on XX/XX/2022 this inquiry by 700CRXXXX XXXX XXXX XXXX XXXX ) was on my XXXX XXXX report. I did not give them permission to run my credit. They did call me several times trying to get me to come into the show room, but I wasn't worried because I didn't give them my social security number. However they still managed to run my credit. I did not give them permission to do this and I never gave 700CR/XXXX XXXX XXXX XXXX XXXX XXXX my social security number, so whatever they did to get it ; that shouldnt be allowed. With that being said this inquiry should be removed from my report because I never gave 700CRXXXX XXXX XXXX XXXX XXXX ) my social security number to run my report. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Their investigation did not fix an error on your report

Complaint:
After I disputed information to be removed from my account the credit bureau allowed XXXX to add the same account multiple times. I have 4 XXXX  accounts but my credit report shows 16 XXXX  accounts. I have called multiple times to get the information corrected by the credit bureau Equifax but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Investigation took more than 30 days

Complaint:
I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. Experian and XXXX ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with Experian and XXXX on XXXX. Experian & XXXX  are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an Experian or XXXX supervisor or executive detailing where I gave Experian or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved

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 2021-09-15
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I c system reported to the credit reporting agency that I owed the $ XXXXI have never been contacted about this debt from them. I was contacted by XXXX XXXX XXXX who also reported this debt for exact same amount and account number.dropping my credit score and no one wont remove one of them.my understanding is they cant place the same account with two different debt collectors and the second, IC system has never contacted me in regards to this.please have them delete one or both.

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 2018-12-24
Company: SYNCHRONY FINANCIAL
State: OK
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:
Walmart MasterCard, through XXXX XXXX, put me on paperless billing on a 'trial basis ' for one month, without my permission or agreement and I was unable to find the place on their website to opt-out of the trial. When I missed my monthly payment date, they not only charged me interest, they also charged me a late fee. I always pay my account in full every month and having them do this without my permission was very very upsetting.

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 monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found out XXXX was merging with XXXX XXXX. To transfer my mint information, i needed to create a XXXX XXXX account. I tried to do that only to discover an account was already created using my personal information. I reported this to XXXX XXXX and requested them to deactivate my account but they haven't yet done 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 explanation
Consumer complaint received 2022-09-20
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have 25,000 on my credit from an auto loan with 24,000 from added fees. The main items i believe to be incorrect are listed below along with a report I have created outlining the timeline/data and documents repeatedly submitted to Security Service Federal Credit Union as Proof of Insurance . 

The vehicle i purchased was insured before I left " XXXX of XXXX XXXX ''. The creditor " Security Service Federal Credit Union '' applied " Forced-placed insurance from the initial date of the loan and throughout the contract. The insurance company and I submitted proof of insurance to the creditor various times via email, fax, and certified mail throughout the contract starting from the original purchase date. 

The insurance companies have supplied the certified letters sent to the creditor as proof of insurance. The contract I signed included " Gap '' insurance in the total finance amount. The " Gap '' insurance provider was paid out by the lender and immediately added to my credit. The " Gap '' insurance provider agreement states full coverage only when the vehicle has insurance. I had insurance during the theft and when the applied " XXXX XXXX XXXX '' was on my account every month. 


The fraudulently applied XXXX XXXX XXXX  '' amounts added drastically change the balance by 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 monetary relief
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
I have applied for credit loans and the creditor was unable was unable to get credit score from TransUnion. I want an investigation as to why TransUnion didn't give Creditor my Score.

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 2022-09-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # XXXX ( XXXX XXXX XXXX XXXX  ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # 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

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 2021-02-02
Company: EQUIFAX, INC.
State: CO
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 sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2022-09-21
Company: Experian Information Solutions Inc.
State: MO
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/06/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$510.00}

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 non-monetary relief
Consumer complaint received 2022-09-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XXXX XXXX they are reporting that 7 payment was late on 5 different student loans I have with them, the loans was in forbearance during that time. I have reach out to Navient on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.

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 2023-11-27
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Federal Aid Loan ( s ) were forgiven. I contacted XXXX XXXX who currently has a Hold on my student transcripts I have repeatedly requested that my account be updated because of the Loan Forgiveness I received for the US Dept. of Education. I dont owe XXXX XXXX any money ; and would like my account updated to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
According with the FAIR CREDIT REPORTING ACT XXXX XXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!

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 2021-07-18
Company: EQUIFAX, INC.
State: AZ
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:
Equifax Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect

Company response to consumer: Closed with explanation