BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am truly in need of your help. XXXX XXXX XXXX is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and XXXX XXXX has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX  veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: MI
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:
My credit card was paid off but no payments have been reflected on my credit report in over 1 month.

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 2022-10-25
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 XXXX, XXXX 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 15 U.S.C 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 2018-08-18
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: Personal information incorrect

Complaint:
Experian Credit Bureau incorrectly lists my name on my Experian credit report as : XXXX XXXX. I do not spell my name that way and have never legally gone by that name. They need to delete this name from my credit report. The last name is correct, but the first name is spelled incorrectly. It should only be listed as XXXX, not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have 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 an 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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Was not notified of investigation status or results

Complaint:
I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.

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 2019-08-19
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:
I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX  - XXXX - XXXX  2019 - XXXX XXXX XXXX XXXX - XXXX 2019 - $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Personal information incorrect

Complaint:
contacted credit bureaus in XX/XX/2019 because I was denied a bank account with XXXX XXXXXXXX XXXX XXXX. The bank told me that my birthday was wrong -- XXXX. I was born in XXXX. I faxed a letter and a copy of my STATE ID, SOCIAL SECURITY CARD and no response and no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

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 2019-08-19
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my XXXX student loans back in XX/XX/XXXX through AES education; and I have been making EFT payment to AES since XX/XX/XXXX. I began my XXXX program through XXXX UniversityXX/XX/XXXX. I did not request financial aid or assistance. However, I noticed back in XX/XX/XXXX that payments had not been removed from my account. I called AES and spoke to XXXX on XX/XX/XXXX, I questioned why my student loan payments had not been removed from my account. XXXX stated because it "automatically," went into deferment because I started school again. I requested to be taken off deferment and to not be placed on it again. XXXX, did send a wavier form however, I did not understand why I needed to sign a wavier form when I did not request for any changes to be made on my account in the first place. As a result, more interest has accrued and I am behind on my payments. As of XX/XX/XXXX, my account is back on deferment because I took classes this summer. 

I can understand why AES would be okay with this process because it benefits them. In my case it ONLY benefits them by prolonging the amount of time I have to payoff my loan and accruing additional interest. Making AES more money. 

I have been paying on this loan for the past 16 years and I am over it. I'm coming close to the payoff and they are messing with my account. Borrowers should have the choice to continue to pay their students loans while in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: IN
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:
I've contacted then on multiple occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and they continue to tell me 2 accounts on my profile is legit and was updated. But each time they do not update any information. I have contacted both creditors on the accounts and they tell me they no longer have my information or they can not find my information. So I am trying to figure out how are they getting information from the creditors when I can't get information from then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX funding Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Paramount GR Holdings, LLC
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:
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 2020-12-08
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received three calls from a company claiming to be debt collectors. 
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone. 
I told them I dont mind sending a cashiers check, but they said I can not do that. 
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior. 

I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest. 
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before. 

I would love to pay debts correctly, but this seems like a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MI
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 FAXED OVER MY FTC REPORT SEVERAL TIMES AND EQUIFAX STILL CLAIMS IT NEVER RECEIVED IT. THEY MESSED UP AND HAD 2 CREDIT PROFILES ON ME AND STATED THAT IT HAPPENS SOMETIMES!!!! I AM A VICTIM OF FRAUD AND I WANT THIS REMOVED FROM MY ACCOUNT!!!!!  ONCE AGAIN I AM SUBMITTING EVERYTHING, BUT THIS TIME I HAVE PROOF THAT IT WILL BE SENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
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:
Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a Wells Fargo customer. I could never get approved for anything and the overdraft fees were ridiculous

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: LAW OFFICES OF RANDALL L. PRATT, P.C.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX is noncompliance with the federal requirements pursuant to 12 CFR 1006, section 803 through 812 of the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX was sent a cease and desist order which he has continuously violated. 

XXXX XXXX XXXX was sent a debt validation notice which he was notified the debt was not validated properly. He has continued to attempt collection. 

He also continues to sell PRIVATE information about the consumer to other third parties for collection attempt. 

He has failed to identify himself and answer to Freedom of Information Request. 

I have reason to believe he is not registered to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
On XXXX someone fraudulently used my info to get credit at a XXXX XXXX XXXX XXXX, also it looks like according to my credit monitoring that my social security number has been compromised on the dark web, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. also in XXXXXXXX  someone used XXXX XXXX XXXX XXXX XXXX which was done fruadulantly in XXXX, they had no access to my card either, reported that and got that taken care of thank goodness.

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 2019-03-25
Company: National Recoveries, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
See Complaint XXXX it was sent to a company with almost the exact same name and was denied as a result. I am resubmitting under a new complaint.

I met the requirements for the ability to benefit False Certification to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

Moreover, I only filed one False Certification. After it was denied by National Recoveries the Department of Education automatically denied it as though I submitted it twice. This is also illegal.

Lastly, when I called to ask for a fair payment arrangement I was denied. This is also highly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit 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