BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX. Experian, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.

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 2023-08-11
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company is US Auto wrongfully repossessed my vehicle and then went out of business when I found out who then or was suppose to have the loan says they could not find me in there system. Weeks after of trying to figure out what was going on I then started to receive emails from a company that says they assumed the loan but I no longer had the vehicle & I was never behind and I was not notified that I was in a position to be repossessed. Prior to that the engine blew after only having the car for 10 months I had to pay out of pocket for everything to be repaired.

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 2023-01-04
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:
IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-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. 

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
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 my credit report It shows as having a secured credit card, when you secure a credit card with a CD or money it should show as a standard credit card on the report and not a secured credit card. Creditors will look at this as a derogatory mark as having to buy credit. 
The credit report should read Credit card or revolving account only not!! Secured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated 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  15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-06-06
Company: EQUIFAX, INC.
State: NC
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bank of America credit card was opened in my name and I'm not happy as its affecting my credit score and i need this removed from my credit report.

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 2023-06-06
Company: EQUIFAX, INC.
State: GA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XXXX XXXX XXXX contacted me today from a random number that was XXXX ( yes, only a 5 digit number ). They first lied on my vmail and said they were from the XXXX department of verification and were looking for me ( they used my maiden name ). They not only called me but they called my husband and my mother in law. I have no idea how they obtained the phones numbers for my mother in law and husband. They left messages on my vmail as well as my husband and my mother in laws threatening to sue me for a debt. I called the number left on the vmail and spoke with a representative who advised me that I was in the process of being sued for an interest on a credit that was opened in XX/XX/XXXX and last payment recieved was inXXXX. They said they sent me paperwork but I never received it because it was sent to an address that I haven't lived in for over 5 years. I honestly don't know if they truly sent me paperwork.They said I had until close of business to pay or they would pursue the lawsuit. I feel like i was mislead by the company because after recieving an email from them my name was spelled wrong and when the lady verified my dob the day of my birthday was incorrect, also after I research the presumed debt was I found out that the debt was out of the statue of limitations for my state. I felt threaten that I wld be sued, liens wld be placed on my house and car, my bank account wld be garnished as well as my wages. They also threatened to serve papers to my employer. I feel like my rights as a consumer were taken advantage of because of the threats. I felt that I was forced to pay for a debt that I dont even think I was truly legally liable to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is XXXX. 
XXXX and can not pay debt due to his XXXX. 
It is the responsibility of Medicaid and Medicare of whom is Responsible for XXXX XXXX. 
XXXX has to attempt to collect from XXXX and XXXX. 
XXXX is sending threatening notices to my residence after XXXX XXXX repeatedly asked XXXX to stop sending letters to my house. 
XXXX XXXX spoke with Supervision of XXXX and informed XXXX of the situation. 
XXXX has sent XXXX XXXX XXXX different letters for collection for a 2022 debt that XXXX XXXX is not aware of A debt was never attempted to be collected or asked for in 2022. 
XXXX is spamming XXXX XXXX mailbox. 
Please ask XXXX to Cease and desist all Spam letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited 2x {$1000.00} checks, 1 {$1500.00} check, and 1 {$2000.00} check to chase. They were from my family. I also received {$250.00} from roth staffing via direct deposit.

Chase claimed these were fraud, wouldn't accept their ( my family 's ) phone numbers for verification. 

I called ( yesterday, XX/XX/XXXX ) and now they are saying after the account closed ( same day ) I will only be receiving {$75.00} of my {$5700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax to dispute an account that was send to them from a utility company, XXXX XXXX, in XXXX California area. The account report was completely wrong, since XXXX XXXX employees stole {$110.00} from my electric account that I used to temporary connect electricity to a Mobile Home to do some repair work. I have the receipt for that payment and I sent everything to Equifax. Equifax instead of removing completely the whole collection account, changed the account status to delinquent and report the  delinquent date to XXXX XXXX when in fact XXXX reported it as none payment XXXX of XXXX. The account did not exist at XXXX and started in late XXXX. 
This damaged my FICO score 60 points, dropped it from XXXX to XXXX. 
Equifax employee that did this was stationed in XXXX and I question him how is possible that you are not here in the United State and you have all my sensitive information? He had no answer for that and kept quite, the conversation with him took had an hour. I disputed the wrong doing but there was no action from the company. Now I have been financially damaged since I am doing a refinance and that cause my rate to go up, a thirty years extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion lists the Chapter XXXX Bankruptcy status on my report as 'Filed ' and states that it will remain on my report until XX/XX/XXXX. 

First of all, since the bankruptcy was filed in XX/XX/XXXX it can only remain on my report until XX/XX/XXXX. TransUnion plans to keep it on my file an additional three years, which is in violation of FCRA. 

But more important is that my bankruptcy status is DISCHARGED as of XX/XX/XXXX. Showing the status as only FILED implies that I am still under bankruptcy and is currently harming my ability to apply for new credit. 

I have disputed this item twice with TransUnion and both times their results have simply been 'Verified as accurate. ' My attached discharge notice clearly disproves this.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, Transunion, and XXXX illegally furnishing collection inquiries on debt without written permission. Lack of confirmation regarding the legitimacy of the debt.

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 2023-02-12
Company: EQUIFAX, INC.
State: KY
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:
all of the credit reporting services are reporting false information about XXXX XXXX and XXXX  and XXXX XXXX and XXXX XXXX they have my name listed as my fathers name because we kind of have the same name. he is a sr and i am a jr

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Reporting company used your report improperly

Complaint:
I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have an account at Citizens bank. My XXXX  XXXX  daughter was having marital problems. She had worked for many years and all money was joint with her husband. She wanted some financial independence. I added her to my account with a checking account in her name. Like all checking accounts I have, I told the bank that I did not want overdraft protection, meaning if the money is not in the account, don't pay out any debts. She was fine up to last week. She became involves with someone on line, there was some type of fraud and mine and her accounts were closed and about XXXX XXXX XXXX dollars was taken from my account. I found out about this last Friday XXXX XXXX at XXXX and that I had an appointment at the bank at XXXX. I withdrew any remaining money in my account. I have trouble communicating with my XXXX XXXX daughter. Monday XX/XX/XXXX, I went to make a police report and she refused to come saying I was jumping to conclusions. She did give me information about her friend which I gave to the police. 
I looked at her checking statement and was overwelhed with numerous transactions I do not understand. I asked the bank rep how can a person who has a daily average balance of XXXX XXXX and XXXX dollar lose XXXX XXXX. What if it was XXXX or a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-08-08
Company: HOME BANCSHARES, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to several different banks to open up an account and wasnt able to I got denied by XX/XX/XXXX, XXXXXX/XX/XXXX today Ive never got any scam money so Im not understanding why I cant open up an account without having all these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
I contacted Equifax on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Equifax, to determine the accuracy and completeness of public information.  Ali verbalized to me that the information was verified by the Bamkruptcy Court, but my written request was ignored more than 3 times.  I sent a certified letter again asking for method of verification in writing, the letter was received by Equifax on XXXX.  I received an email response dated XX/XX/2019 stating "The disputed item is not currently reporting on the Equifax credit file: Public Record: Bankrupty XXXX."  I contacted Equifax via phone to clarifiy what does that mean, I don't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers, so it is not an reliable source) it is a violation of my rights as a consumer and the information should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: NC
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:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

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 2023-08-08
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:
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.

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 explanation