BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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:
Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like Equifax, XXXX, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX  XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX 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 2023-03-13
Company: Experian Information Solutions Inc.
State: SC
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy XXXX XXXXXXXX XXXX case # XXXX XXXX U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management Inc Has been harassing me on the phone & in person and contacting me late hours off the night and early mornings without my consent and harassing me and telling me they will distort my credit history & information in a negative way for any account I don't own and that has been dismissed and closed. I never signed a contract or done business with Midland Credit Management Inc. This manner that was done breaks ( FDCPA ) practice Act. I don't own this account and account is closed due to ID theft. The account amount was dismissed & Closed. I'm not responsible for this account & inaccurate amount. I'm requesting that MIDLAND CREDIT MANAGEMENT INC CLOSE ACCOUNT, MY INFORMATION FROM ALL THERE DATA BASES AND DISMISS THIS CASE.

FDCPA Practice by Midland Credit Management Inc was Broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo only allowed me 15-16 months of forebearance instead of the 18 I should be eligible for. My last call to them I was put on hold for 30 minutes and never received any answer regarding the problem. I have had XXXX XXXX times and was XXXX XXXX times in the last XXXX XXXX I should be given the additional XXXX months of forbearance and can bring the account totally current in that time with no issue. I also will have increased income starting this month and will be able to fix up the property to sell it if needed or wanted by myself. 
I request the sale date be moved out 60 days so I can bring the account current and also have the opportunity to benefit from my $ XXXX in equity by selling or refinancing the property. 
My credit score is up over XXXX points in the last 90 days as well. I want to salvage this loan or refinance it to continue my upward momentum in terms of my credit score. 
This loan is XXXX or XXXX backed. Please have Wells Fargo give me the additional time to get this loan current. I currently have a good chunk of the reinstatement amount available and will have all of it within XXXX days with no issue. 

Thank you for your time, patience and assistance!

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 2023-05-04
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nelnet is willfully and knowingly in violation of the FDCPA.I have notified them to not communicate with me by USPS mail with a tracking number of : XXXX. They received my notification on XX/XX/2023. There is no excuse. I have no contract with them. They continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed a debt collection on my credit report several times now. The company is XXXX  XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is 3 auto loan accounts reporting on my credit profile and I would like them removed.1 account is 90 % paid off and even says I have no my monthly payment that my monthly payment is 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 2019-12-25
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 {$270.00} Used XXXX XXXX account with zelle to send for service. Service never happened and blocked by user. XXXX was number used by scammer. XXXX/ XXXX is name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Resurgent Capital Services L.P.
State: GA
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 XXXX XXXX, XXXX trying to secure money for LVNV who bought a debit from XXXX XXXX XXXX XXXX. They stated that LVNV had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
LVNV has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of LVNV claim, when I decided to cease the use of the legal group LVNV XXXX XXXX, XXXXXXXX XXXX XXXX showed up again with their terroristic tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account and savings account with Bank of America. Starting XXXX and continuing into XXXX, I was conned out of {$1600.00} in an elaborate gift card scam. Bank of America could see large sums coming out of my checking account for XXXX gift cards and could see these purchases were draining the {$600.00} I had in my checking account and then causing the account to overdraft. Instead of its fraud unit getting alerted to the situation, and instead of letting my checking count overdraw and start rejecting purchases due to insufficient funds, without my knowledge or consent, Bank of America transferred the {$1000.00} I had in my savings account, out of that account and into my checking account where, once there, the con artists defrauded me out of that {$1000.00}. If Bank of America had NOT made that transfer, I would have only lost {$600.00} instead of {$1600.00}.

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 explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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 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 2023-03-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to XXXX and Experian remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.

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 2019-12-25
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My card is Citibank Credit Card, which is currently no more with me as I disposed the card. The sales person come to me was not understanding English and so I asked him to give me back the documents or else arrange call from office before processing my documents. However the card was activated without any verification with me. On XX/XX/XXXX, while trying to update my XXXX details, I was facing problems to login my account stating my credentials entering are wrong. Hence on the same day I sent a mail to XXXX to resolve the issue and to close my a/c. No response I received. Subsequently I called to customer care and paid my dues completely. After completely paid my dues I called to customer care and requested to close/deactivate my card as I dont want to continue. They confirmed over phone its deactivated. This confirmation over phone I had taken two three times as I was no mail ids to contact. Even my previous mail Id was unanswered. Post that this year in XX/XX/XXXX onward suddenly I started to get messages in dues to be paid. I contacted customer care. The executive who attended my call insulted me saying there is no such card in their records. Now the due amount is increasing day by day and I am getting messages regularly nowadays which is an integrity issue on my credibility. Now I am not ready to pay even a single rupee to them as I had mailed and informed over phone that I wont be liable for any charges arising out of this card as I got closure/deactivation confirmation of that card. Hence I want to stop this message sending to me and wants to close the entire relationship with Citibank credit card group w.r.t. this card

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 2022-12-23
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: Account information incorrect

Complaint:
This is my second complaint in regard to my previous CFPB complaint numbered : XXXX. And probably my sixth complaint regarding Equifax. 
It should go to : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX Equifax did not report to you it responded to this complaint. However, there are several things wrong with their answer : 1. I was advised to " upgrade my Equifax product. '' This is something one does, or at least I do, when a level of confidence and trust has been established with a company and I feel and believe a higher level of service, and more money spent, is deserved. Equifax has created the opposite in me because I already pay for their service and even if I didn't, am I supposed to accept the errors associated with my credit report, and that Equifax generates, go to people who might want to lend me money, or offer me a job??? Information is gathered, and written, about me no matter what, so if I don't pay Equifax enough, they don't care what they say about me??? So, in other words, Equifax is advising me if I don't upgrade and spend more money, the errors in my report will not go away or be fixed. These are ERRORS and they are caused by Equifax... I should NOT have to pay more for fair and correct reporting and I will NOT!!! 

2. Equifax statements about my credit stability have been written incorrectly and contradict each other and I have reported this MULTIPLE times with examples to XXXX XXXX, XXXX of Equifax. NOTHING has been done to correct these errors. For example, a condition that might help my credit : " Balances on bankcard or credit card accounts not too high compared to limits '' and same comment, but negative this time : " Total of all balances on bankcard or credit card accounts is too high. '' These two statements are opposite each other... but they STILL exist! And these two make no sense : " Balances on your accounts are too high compared to loan amounts ... '' What does that even MEAN??? And " The date you opened your oldest bankcard or credit card account is too recent. " ... that is NOT true and WHAT is too recent????

Further, their response is nothing but a form letter. Most of the verbiage in it is XXXX, makes no sense and is inapplicable to me... poorly executed response and I refuse to accept it.

Company response to consumer: Closed with explanation