BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
Experian Report # XXXX Incorrect states that the account is late causing harm to borrowing power and interest rates. 

Account for XXXX XXXX  " XXXX XXXX '' is reporting that XXXX and XXXX are 60 days late while the account is in dispute.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, Transunion found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent XXXX and XXXX as well as Transunion and Transunion is the only company to remove the filing. Still waiting on XXXX and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by XXXX, XXXX and Transunion. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, XXXX and Transunion need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.

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 2017-10-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2023-06-27
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX, have 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 an 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 2022-09-08
Company: NAVY FEDERAL CREDIT UNION
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:
Navy federal credit union Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX Navy feferal heloc was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are 3 hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: OPORTUN FINANCIAL CORPORATION
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 disputed their inquiry with XXXX and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- XXXX voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from Oportun at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a VM the number listed is XXXX I want the inquiry from XXXX to be removed because I NEVER attempted to get a loan from your company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I read about the class action suit against Navient, formerly XXXX XXXX. I would like to stay informed as I believe I am a victim of misinformation, deception around repayment options. I graduated from XXXX XXXX in 1995 ... yes 1995 - 23 years ago! I have paid my loans for years, however at various times ran into financial difficulty, job layoffs, had children and could not work and simply financial hardship. The interest charges have accumulated SO MUCH over the various forebearances that were suggested to me that as of today my balance due is MORE THAN the original loan amount! I owe more today than the amount I borrowed 23 years ago! Time after time I called to discuss financial hardships and was immediately pushed towards forbearance. At times I was told there was no option to lower my payments and I pushed and they were able to find a plan for me. I was told I am not eligible for any type of loan forgiveness & that as part of the income sensitive repayment plan even if I'm on it for 25 years that this program is not eligible for loan forgiveness. I had to claim bancruptcy about 10 years ago & was told i could not include my XXXX XXXX student loan. I will die someday with this student loan debt! I will never pay it off. I am currently on the income sensitive repayment plan that I have to renew yearly. Reading the article really hit home and I hope these thieves are ultimately the ones that lose out after they have contributed to stress and anxiety that so many suffer from due to debt that is suffocating them ... all while these executives collect XXXX dollar bonus checks comprised of hard working, bill paying American citizens!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
Multiple accounts listed by Experian XXXX and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. 2012 foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. Tjey have failed to remove or assist.

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 2023-10-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26
Company: EQUIFAX, INC.
State: IL
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
As of XX/XX/XXXX this is the company 's response. 

Thank you for giving us the opportunity to respond. XXXX XXXX is correct that she originally obtained a loan from AmeriCash Loans for {$600.00} in XX/XX/XXXX. However, XXXX XXXX subsequently refinanced that loan in XX/XX/XXXX. Due to XXXX XXXX failure to timely make all scheduled loan payments on her XX/XX/XXXX loan, AmeriCashs counsel filed a collection action against XXXX XXXX for the outstanding balance of that loan. As a courtesy, AmeriCash has decided to release the wage garnishment for the remainder of the balance, mark the judgment as satisfied, and close the account. 

As of XX/XX/XXXX, I received a document from my employer regarding an amended/balance update that this agency is looking to collect an additional {$1900.00}. There has not been any documents received that the loan is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX   Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.

The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Uplift, 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:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Bread Financial Holdings, Inc.
State: WI
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:
XX/XX/2022 hard inquiry and decline for credit XXXX XXXX XX/XX/2022 hard inquiry and decline for credit XXXX XXXXk XX/XX/2022 hard inquiry and decline for credit Comenity Capital XX/XX/2022 called XXXX XXXX XXXX XXXX to remove these inquiries as fraud. 

XX/XX/2022 called Comenity Capital to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, *Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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