BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  Acct # 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 explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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: EQUIFAX, INC.
State: CO
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 am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times.

I demand the accounts listed below to be removed because according to 15 USC 1681 : I have a right to privacy and did not give Equifax written to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
1 ) Trans u nion is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.     2 ) Inquires not authorized by me are on my file and should be removed and have not been removed.
3 ) Dis  puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You  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 2022-08-16
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:
Violations 15 USC 1681 Section 602 State I have a right to privacy.

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them.

Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain.
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs XXXX, XXXX XXXX XXXX, at pg. XXXX ) There is no known law that says I have to pay anyone anything. 
I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending Act.

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: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-07-12
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
There are multiple wrong names plus wrong addresses on my report. I have tried to correct this multiple times. This last time I have tried doing this through Experian. I was told that it could not be done on line so asked for the free credit report so as to get everything written down correctly and then was going to put everything in writing. This started over a month ago and nothing has shown up. A couple of times I have tried to contact them on line to see what is happening. I go to the " contact us '' drop down and tried to do so. Of course they are unable to help and I must call a " number ''. I try to do so, they ask a bunch of questions and eventually get to something that I do not know the answer to. We then go around a couple of a ring around the rosy and they hang up. 
Could you please get me my supposedly free copy of my credit report from Experian so that I can dispute there misinformation in writing as they demand. 
Regards, XXXX XXXX XXXX XXXX My first name is XXXX, my middle name is XXXX The initials do not stand for anything and do not have periods after them.

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 2017-06-05
Company: Overton, Russell, Doerr and Donovan, LLP
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have con tacted JH Portfolio Debt Equities LLC by  mail, letter sent  XXXX / XXXX / 17 , and they received it on  XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I held Synchrony credit cards for 8 years ending in 2020 when for no reason whatsoever Synchrony closed them all. I *never* mishandled credit my entire life, have an exceptionally high credit score and a 30-year solid credit history, yet Synchrony invented a lie and closed my accounts. When I filed a CFPB complaint about this in 2020, a Synchrony executive office staff member promised me that I was not blacklisted and could reapply. 

Every time I reapply Synchrony immediately refuses my application because I am blacklisted. 

I received a pre-approved offer for a Synchrony MasterCard and submitted the application. They pulled my credit bureau reports and instead of giving me the results, they directed me to a website XXXX. This website does not belong to Synchrony at all and it is instead a website for a XXXX company written only in XXXX. 

I believe Synchrony is illegally discriminating against individuals because either they are stationed overseas or for other illegal and immoral purposes. Also, Synchrony has shown themselves to be liars by blacklisting when they have expressly promised they were not,.

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 2021-07-12
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LLNV Funding is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I applied though XXXX for a job, and was offered to be a XXXX XXXX to a CEO. I was told my first task was to deposit a check for {$6200.00} and take the funds and disperse them to orphanage for a medical procedure. I did exactly what he asked cashed the check that was in my name, and send the money get money orders With the cash and send to the given address. I woke up to negative thousands of dollars in my account. I have called Wells Fargo to file. a claim immediately with police reports, emails, texts, the XXXX  application to show I was a victim of fraud/being stolen from. They would not even look at the police report, or talk to the detective, or look at my proof. They denied my claim and refused to give back the money that was stolen from me. The banks job is to put a hold on a check with large amounts of money, and idtenfiy a fraudulent check, They did not do that, They gave the cash right away without making sure the check would clear or was legit. I was truly under the impression I was hired to work as a remote assistant for someone and doing my job thinking this was for the greater good. I have emails, and job descriptions texts to show proof of this. I also filed police reports etc. This has impacted us greatly financially leaving us with our bank account drained.

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: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To Whom it may concern - I was recently surprised to learn that in XX/XX/2021 XXXX XXXX XXXX incorrectly reported to Lexis Nexis ( XXXX ) that I had an auto claim AND reported that I was at fault for this accident. 
While I did call to inquire about filing a claim from a hit-and-run where I was not at fault, I never went through with the claim. XXXX XXXX mailed me a check for {$97.00} which I did not cash. 

In speaking with two XXXX XXXX employees they both informed me that I never did file a claim nor was I at fault, and sent me a PDF letter on XXXX XXXX letterhead to that extent. However they advised they could not rectify the consumer reporting agency data since " the claim was closed ''. 

Under FCRA, XXXX XXXX did report this information to a Consumer Reporting Agency, therefore XXXX XXXX is responsible for rectifying this information promptly upon notice that they have made an error. 

Additionally, I submitted a request to obtain my Consumer Disclosure report online from Lexis Nexis on XX/XX/XXXX. As of XX/XX/XXXX I still have not received the information required from them on obtaining this information. Their process requires me to first submit a request online, then they mail me additional information to access my report. 

The impact of this incorrect data has doubled my auto insurance premium. XXXX XXXX shared that a 6-month quote they provided me increased from {$1000.00} to {$1700.00} due to this incorrect data, a 76 % rate increase. 

I look forward to you resolving this incorrectly reporting quickly. We are in the process of moving and new quotes are astronomical due to your misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
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 filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
n 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 2021-09-23
Company: Elevate Recoveries, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company involves XXXX XXXX XXXX XXXX XXXX. Georgia . I have paid there bills through numerous collection agencies and they seem to be repeating themselves. I have not been to an emergency room in a year. They're recent collection agency is : Elevate Collections XXXX XXXX  XXXX XXXX XXXX, TX XXXX It's beginning to feel like extortion! Every time my credit score seems to improve I get a collection notice from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
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:
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX  IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. Transunion open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, XXXX, and Transunion please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation 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