BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan.

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with Experian and XXXX credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to Experian and XXXX effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to Experian and XXXX in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to the company several and they have failed to respond to my complaints as well affidavit of truth. you are a 3rd party debt collector ( Lockhart Morris & Mo ) you are allowed to collect on a debt but not my personal information .this is a violation of my right according to the fdcpa title 15 usc 1692 2.in your bill alleged i owe this debt thats a violation 15 usc 1692 b2 3.15 usc 1692c c3 you called me at my place of employee harassing me and using profane language at and on convent time 15 usc 1692D 4.you have repeatedly called my phone when i notified you to cease all communications 15 usc 1692D 5.you threaten to sell my property this is a violation 15 usc 1692e 6 you know legal right only the power of a natural person can sue this is a violation 15 usc I this has no greatly harm my consumer report 7.15 usc 1692j deceptive forms you made this contract seem as though i owed a debt see statements you have sent out 8.15 usc 1692 k civil liability any violation found in a case is 1,000 per individual violation.

I have provided and ftc report according to section 605 b of fcra this item should be blocked within 7 days i have included it in my complaint. 
your company is criminally and civilly liable and demanding remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 
I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
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:
Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay card will not let me get access to my data through third party services. It is my info and I want to use another service to manage my finances and they are blocking it

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 2022-09-10
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX  XXXX XXXX Balance Owed : {$12000.00}.

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 2022-09-05
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:
The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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 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 2018-02-20
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-22
Company: Law Office of Cynthia Hitt Kent, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from XXXX to XXXX last year, and put my house for rental. This year, I receive a forwarded letter in XXXX, from XXXX XXXX XXXX, indicating the lack payment of the HOA fee. I called them immediately on XX/XX/XXXX to follow up with the case, and sent the check out after the call, for the 1st quarter and 2nd quarter. However, the check I sent to the company was not deposited and the company never gave any follow up. Instead, in this XXXX, they sent a demanding letter, and asked me to pay for HOA fee, late fee, and attorney demanding letter fee. 

Although on the call of XX/XX/XXXX, the agent from XXXX XXXX XXXX agreed to waive the late fee for the 1st quarter, I still sent the full payment for my 1st and 2nd quarter HOA fee with all the late fee they charged on my account. But they still asked me for the attorney fee. 

I do not think I should pay for the attorney fee, the demanding letter, because : XXXX XXXX XXXX is new for the community this year. This company did not inform me for the current rate and bill on time. From the beginning of the year to the time of the demanding letter, I only received 1 letter from them, and I also replied to them immediately by phone. For any issue, either potential non received payment or incorrect check amount, this company should contact me by different ways before sending me the demanding letter. Unfortunately, they did not. 

I did not hide in this entire process. Before their notification at the end of XXXX, I have already contacted the old management office to pay off my HOA fee but I got email from the old office, indicating they were not for the management of my property any more this year. On XX/XX/XXXX after receiving the notification from XXXX XXXX XXXX, I called the company. During the call, I got the account set up, and from that time on, they have my email address, correct living address, and phone number. Thus, they are supposed to send me email, letter or call to inform me for any issue, before using the demanding letter. 

In the conversation to the attorney regarding this case, they just said, I had to pay for the letter fee because I did not reply to them. They ignored the fact that I called them on XX/XX/XXXX. They ignored the fact, they did not send me bill on time. They also said, they tried to contact me before sending me the demanding letter. However, when I asked them for details, such as time, date, for some phone call history record, they could not provide any. 

My Case : XXXX My Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TD BANK US HOLDING COMPANY
State: CT
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:
target td Usa/target credit XX/XX/XXXX XXXX XXXX$40.00} payment reported and mark as missed payment, my bank account and social was breeched. I called the credit specialist number and they noted account up to date. Being that the account was reported as a late payment it affects my credit and credibility to purchase a home. it also take so many years to remove from account. My account balance is XXXX In accordance with the fair credit reporting act this creditor violated my rights my rights under 15-USC 1681 sec 602 states I have the rights to my privacy.

15-USC 1681 sec 604-A sec 2 it also states consumer reporting agency Can Not furnish an account without my written instruction 15-USC 1666B A creditor may not treat a payment on credit card account under and open and consumer credit plan as late for any purpose. 

Thank you, for taking the time to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-10-14
Company: Resurgent Capital Services L.P.
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:
This company has no written consent to use any information for credit reporting. This is a violation of my consumer rights. 
I don't know this company and how this company was able to use my credit information. Every account on my credit report is close and my credit is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: AES/PHEAA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have previously disputed the accuracy of payment to Fed LoanXXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but XXXX isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.

Company response to consumer: Closed with explanation