BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I attempted to use the Experian website to unfreeze my credit report. The Experian website generated a 10 digit " PIN '' that I was to give to the company that wanted to look at my credit report. I have not given the company both the 10 digit " PIN '' and the 6 digit number to allows me to track the unfreeze number. Neither number works per the company. Since Experian does not publish a phone number for resolving this number AND Experian requires me to create an account to attempt to resolve this issue I am unable to grant access to my credit report to the company requesting access. 

I have previously created an account with Experian and since the website the password is incorrect I am unable to login. Since I can not call Experian resolve the password issue I am unable to login. Kind of a catch 22 here. 

I do not want to create another account with Experian nor with CFPB. Call or email me directly to resolve these issues.

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

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. ( It's the LAW ).

All Rights Reserved.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: NY
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 consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXX XXXX. Account # : XXXX Account name : # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
These accounts dont belong to me. I dont know why theyre on my credit profile. Theyre not supposed to be. I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

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 2023-09-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I leased a car from XXXX nissan on XX/XX/, I was approved for the loan and was told that I will need insurance to insure the vehicle, I purchased business insurance for the vehicle and XXXX nissan could not get my car registered with the business insuance card because it showed my business name, the car salesman forged the insurance card document, took off my business name and left my first and last name, I called XXXX nissan about this and the dealership denied this, the insurance card I sent into XXXX nissan isn't the same insurance card they used to register my vehicle, this constitutes as fraud and criminal, my insurance was closed because of the XXXX nissan forging documents. any forged documents with in a contract makes the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Original debtor was XXXX XXXX XXXX XXXX The last payment I was able to make to XXXX XXXX XXXX was of {$50.00} on XX/XX/XXXX. Before the my ex-husband and I became XXXX and lost our house to foreclosure during the economy crisis of XXXX!!! 
On XX/XX/XXXX Summons/Notice to appear for pretrial conference was served. 
On XX/XX/XXXX, Asset Acceptance , LLC filed a judgement for {$4800.00} On XX/XX/XXXX the above judgement was " Deleted '' from my credit report. 
On Friday XX/XX/XXXX ( 10 years from my last payment to XXXX XXXX XXXX XXXX ). I received an " Unofficial '' ( Continuing writ of garnishment against salary or wages from Asset Acceptance , LLC. ) for the amount of {$5200.00} On Friday XX/XX/XXXX I received a letter from my employer because " Asset Acceptance , LLC served them without my authorization. My employer provided a letter to me saying that {$320.00} will be withheld beginning XX/XX/XXXX per pay period which is bi-weekly. I am a head of household with XXXX minor children who are my responsibility to support. The amount the debt collection agency wants to collect from my paychecks is absurd and at no given time have I acknowledged anything with them. Plus 10 years have passed since I last made a payment to XXXX XXXX XXXX. and 6 years have passed since Asset Acceptance , LLC filed the judgement that has been removed from my credit since XX/XX/XXXX. I also currently have a XXXX plus debt in student loans that I am responsible for to whom I only pay {$100.00} a month because of my household size and income. Thank you for your time and understanding. What Asset Acceptance , LLC wants to do will cause great hardship to my family of XXXX. Since I am the head of household and only adult in the home. Plus this violates the statute of limitations in the state of Florida which is 5 years. All of the above is XXXX years old and older.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Account information incorrect

Complaint:
I have repeatedly and continuously tried to send Equifax Informational Services herein Equifax a letter which depicts that an Inquiry specifically that of XXXX XXXX  made on XX/XX/2020 was fraudulent and I was a victim of identity theft., Since this time and Day of XX/XX/2020 I have repeatedly sent Equifax notices of Identity Theft and Affidavits stipulation that the Inquiry of XX/XX/2020 that of XXXX XXXX was not made by me neither did it have any permissible purpose nor did I XXXX XXXX XXXX XXXX XXXX initiate said request., I even sent them notification from XXXX XXXX  dates XXXX XXXX XXXX stipulating that I was I was a victim of Fraud.. After three attempts I have contacted an attorney who has first requested that I submit a complaint with CFPB before initiating a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NV
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-12-04
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Peer Advisors, LLC
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. I, XXXX XXXX am the trustee, estate representative. XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. The property is currently ( XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. *** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian makes finding the freeze/unfreeze option on their website extremely difficult, even for a young tech savvy person. Instead, they push their monthly subscription or 1 time fee services ( scans and locks ) continually.

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 2023-09-23
Company: Cascade CISS Holdings, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 a company checked my credit it is listed on my credit report as Miscellaneous. I tried fixing it with XXXX but to no avail. 

I have sent them letters concerning this but they seems to not do anything about it. I don't recognize this company, never heard of them before. Don't know why they checked my credit. I never received a call that they were checking my credit, and for what reason. I have sent XXXX letters about this but I never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account opened on XX/XX/2020 with nationwide recovery systems for XXXX XXXX XXXX XXXX for the amount of {$260.00} was reported to my credit report for collection. I reached out to the 3 reporting bureaus asking to validate the debt. It came back as a valid verified debt with XXXX. The amount requested for the XXXX XXXX group does not belong to me. I do not have access to the full account number for the collection being placed in my name. I would like significant proof the services I'm being charged for belong to me. A type of date of the office visit, account number, verification of insurance information submitted. I have not received any statement from my health insurance provider. Please respond back with documents requested to my address you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I signed up for an XXXX XXXX credit card on XX/XX/2019. I signed up prior to booking a flight that day after noticing an ad that offers {$250.00} off for flights purchases along with interest free payments within first 6 months. The card is managed or financed by Citigroup retailing services. After getting approved for the card, I purchased the flight that same day using the newly card for {$900.00}. About a month later, I noticed that the {$250.00} credit did not apply ; I called customer service, and I was told to wait a little longer since it had not been long enough. I called again on XX/XX/XXXX to inquire about the {$250.00} credit. To my surprise the customer service rep told me that the {$250.00} would not be applied to my card since I applied to the " fly now '' program and not another program. When I noticed the ad on XXXX XXXX, I simply clicked it, followed the prompt to sign up for the credit card and got approved almost immediately ( the whole process took about XXXX ). It did not specify a difference between a " fly now '' or a different program to receive that {$250.00} credit. Even the customer service rep I talked to agreed that it was malpractice and a misleading ad. She agreed to file a complaint for my case since that's all she could do on her end. Until almost 2 months after getting the card, I found out that I would not be receiving that credit. 

I wish to file a complaint against XXXX XXXX and/or Citi credit card for posting this misleading ad, or simply as I see it false advertising.

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 monetary relief
Consumer complaint received 2022-12-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + Transworld Systems Inc, I am disputing the debt Transworld Systems Inc says I owe - attached to this complaint is : - copy of my drivers license - copy of my mailing address - copy of dispute letter - copy of letter I received from Transworld Systems Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 the Equifax website and fraud agent would not allow me file a fraud alert or credit freeze until I purchased an account. The first option was an auto-pay of ( I think ) $ XXXX. When I said no ( because XXXX and XXXX had done it free as legally required ) after 20 minutes of hard sell, she offered a {$10.00} one time 30 day account option ( receipt below ). I was desperate to stop ongoing identity fraud activity so I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collector is in violation of the FCRA. The FCRA requires debt buyers to notify you when they report negative information to a CRA. 

Not only was I never notified but once I learned I had a collection on my credit report I disputed this with the collection company as well as XXXX. I sent a cease and desist letter via certified mail asking them to remove the false delinquency as I would deal with the original creditor only. Neither have complied with removing this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to renew my debit card in XXXX but I didn't receive my card until XXXX and it was locked XX/XX/XXXXXXXX XXXX  in the year. Now I have a lock on my account and Citibank won't release it. I am currently stranded in XXXX XXXX with no way to live. As soon as I got my new debit card and unlocked it someone locked it again. Now I visited the XXXX with an unlocked debit card that got locked again. I don't have a U.S. phone number to confirm. My dad has my U.S. phone ( XXXX ) XXXX. I have a XXXX number. I cant check mail in U.S. I need my stuff unlocked. My number in XXXX is XXXX. My name is XXXX XXXX XXXX. I am a XXXX Sergeant in The XXXX XXXX. I need all my accounts unlocked for my medicine and treatment as well as my basic needs.

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