BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX, my wife and I purchased a vehicle ( XXXX ) using Wells Fargo Dealer Services. In XX/XX/XXXX, my wife filed for divorce. XX/XX/XXXX, the divorce was finalized, and the divorce decree states that my now ex-wife was to retain possession of the XXXX, and was to refinance or payoff the loan to remove my name from the account. She sent in a check to pay it off, and that was the last I heard anything from Wells Fargo or my ex-wife until XX/XX/XXXX. I noticed that I had a derogatory remark on my credit report from Wells Fargo regarding the XXXX loan, and then received an email about a week later from my ex-wife, stating that she cancelled the payoff check and never refinanced, so the vehicle was still in my name. 

We agreed to have the XXXX voluntarily repossessed in XX/XX/XXXX. It is currently XX/XX/XXXX, and they still haven't come to get the vehicle. 

Now, I have this HUGE derogatory remark that has tanked my credit score over 100pts that isn't even my responsibility! Wells Fargo will not remove it from my credit report, despite having provided them with the divorce decree, signed by a judge, that states my ex-wife is responsible for the XXXX. I wish I could sue them, but I can not. 

I have disputed this with all 3 credit bureaus, to no avail.

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 2022-08-12
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I changed the type of repayment plan on studentloan.org to the one President Biden made recently. 

The system said something like " because your loan servicer doesn't participate in electronic exchange of information you have to manually print all the documentation out and mail it. '' This causes an undue financial and temporal strain on me. 

What law allows them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received multiple bills from collection agency while awaiting charges to be paid by insurance company. The original date of service was XX/XX/XXXX ( {$560.00} ) On XX/XX/XXXX received call from collector stating that if wasn't paid, credit will be affected. At that time, I paid the collection agency. 
I then received a EOB from my insurance company on XX/XX/XXXX stating that this claim was paid. I finally was able to get someone to help me on XX/XX/XXXX. She found this should have been a workmans comp claim. I forwarded all paperwork to her and she in turn forwarded to XXXX XXXX. 
After not hearing anything since XXXX, I contacted XXXX XXXX on XX/XX/XXXX. I was told to contact debt collector. 
I've been trying to get refunded {$560.00} from either hospital, who referred me to debt collector who referred me back to hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: PA
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. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX my rights. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
Last year I moved to a new residence and I was delinquent on my final bill from XXXX because they did not have my new address on file. I paid off the balance ( about {$100.00} ) immediately after learning about the situation from a debt collector ( Diversified Consultants LLC ) about two months ago.

Two people from XXXX AND two people from Diversified Consultants told me that this debt collection account would be removed from my credit report/history within a couple of weeks after payment but it is still listed as open/active.

The collection account is still listed on my credit report and I am seeking to have it removed because 4 people promised me it would be removed. 

Please let me know if there is anything I can do to help - thanks! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX @ Commenity bank XXXX. EXT XXXX. She has been calling and leaving messages on family members phone numbers and non related people with the same last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR 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 2023-05-16
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: MS
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:
accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: AL
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2023-05-16
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-11-11
Company: BARCLAYS BANK DELAWARE
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:
Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.

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 2019-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
I had two XXXX  XXXX credit cards prior to XXXX ; between XXXX and XXXX throughout my divorce and adjusting to it, I became delinquent on the credit accounts that were not necessity as I also became a single mother. I did try to work with XXXX XXXX, but my hardships were not cared for through the protection I elected at the beginning of the agreement. However, portfolio recovery is the debt buyer who ultimately obtained both XXXX XXXX accounts in XXXX and XXXX. I am currently showing 3 portfolio recovery accounts, this company has never provided the verification of the debts owed - as well as it appears they are double reporting one of the XXXX  XXXX debts. When one of the balances were originally placed the balance was approximately {$600.00}, currently they are reporting one as XXXX XXXX  XXXX, XXXX. being the original creditor, and the other two as XXXX XXXX being the original creditor. But significantly impacting my credit with double hitting my credit since XXXX. I would like this investigated. They are furnishing incorrect data to the credit bureau and I really would not have known if I did not spend quite some time researching the internet high and low to figure out what XXXX XXXX   XXXX  XXXX. was ; let alone the fact that this institution no longer exists, yet they are attempting to collect the balance twice because of the bank name change between XXXX and XXXX XXXX. This harms my ability as a single mother to obtain the credit I need if needed, but most importantly is a negative impact to my credit score preventing me from qualifying for a home loan to buy a house for my son and I, in which I have no financial help of any kind in raising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
I tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts. 
The credit entry was done on XXXX/XXXXXXXX

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