BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MD
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:
Since XX/XX/XXXX I have patiently waited for XXXX, XXXX and Experian to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX XXXX completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX Experian completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX Experian completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX Experian completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
XXXX account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and XXXX, XXXX and Experian have violated my right under XXXX U.S.C XXXX section XXXX A that states I have the right to privacy and XXXX U.S.C. XXXX section XXXX A section XXXX states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the XXXX, XXXX and Experian is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.

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 2023-02-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-05-17
Company: The Outsource Group, 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: Old information reappears or never goes away

Complaint:
XXXX reported a {$20.00} past bill that they said belongs to be from XXXX. The date it was reported on my credit was XX/XX/XXXX. I have not received correspondence from this company to validate the debt. I was also told if I paid the dept that XXXX will stay on my credit as paid in full for 7 years. I do not know if this collection is mine but it is also against my rights due to Representative XXXX XXXX XXXX ( OH ) introducing the Medical Debt Relief Act in XXXXXX/XX/XXXX. The House of Representatives passed an amended version in XX/XX/XXXX. The Senate read it twice and referred it to the Committee on Banking, Housing, and Urban Affairs. 

The objective is to To exclude from consumer credit reports any medical bills that have been in collection and has been fully paid or settled, and for other purposes. 

My credit should not be effected by a debt I did not know I owed and when I offered to pay the XXXX I was given information that is against my rights.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX reports. The only name and address that needs to be ( see below ) on all XXXX reports should be. 

As of the date of this complaint, this has not been done. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-04-13
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXXXXXX entered my home, attacked my children, and stole my XXXX XXXX. At this time, my family was facing XXXX retaliation which I shared with VW Credit as well. Also, I always said I would pay for everything that I owe to VW. Moreover, VW Credit XXXX attacked and stole my car when XXXX and XXXX retaliation case was going on in the federal government. 

XX/XX/XXXX : Without notice, a violent VW credit XXXX entered my home, attacked my children, and stole my car away. I also called the police. 

Volkswagen cheated me and sold me an emission car ( XXXX XXXX )? I have an emission recall statement, VW credit stole my car on XX/XX/XXXX. Then, after depreciating the car for six long months, VW credit claimed that it had sold the stolen car. Based on what happened on XX/XX/XXXX, everyone says it is stolen. 

XX/XX/XXXX : I wrote a letter to XXXX XXXX XXXXXXXX asking for the explanation on why they attacked my children and stole my car. I have not received any response to my questions from VW Credit yet. 

XX/XX/XXXX : I get a bill from XXXX XXXX, a collection agency demanding me to pay {$6100.00} for the automotive deficiency. 

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXX entered my home, attacked my children, and stole my car away. After six months, they sold my car and now asking me to pay {$6100.00}. 

VW Credit does not respond to me. VW Credit is using their influence and covering up their crimes. I want my car and compensation for my losses. 

Sincerely, XXXX XXXX P.S. There is no option for a lender stealing a car and attacking children in the form, so I selected repossession as the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you

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 2019-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a transaction dispute for {$600.00} back in XXXX when I XXXX XXXX XXXX a web design company that I hired failed to provide the service I paid for and completely ignored my emails following up with whether he was able to complete the task. USAA asked me to submit additional information, but I didn't see the emails and they took the temporary deposit back. I called to find out why they had taken the money back and they explained that I hadn't provided them with information. I asked for the dispute to be reopened and they told me I had to mail the paperwork in. I mailed it and gave them a until XX/XX/2019 to do the investigate. I didn't hear anything back them so I called again. The USAA rep I spoke to told me that he saw the documentation, and that nothing was done with it and that I would need to resend the paperwork and a letter requesting the dispute be reopened. He said it was their fault for not following through back in XXXX until XXXX. So I sent it immediately that day and waited again. I called yesterday, XX/XX/XXXX and they once again never did anything with the paperwork and told me that I had missed the window. The vendor that I paid {$600.00} to did absolutely nothing and I've done what USAA told me to multiple time to get my money back. Each of these conversation were record, I ask the USAA rep I spoke yesterday. I just want my {$600.00} refunded back to me as the vendor did not do any of the work he was contracted to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2018-04-11
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX has sent my internet bill to a company called XXXX XXXX I told them.when I get the extra money I will pay the bill I'm paying other credit card debt right now I have told this company this several times. 2weeks ago this company called my supervisor work phone. When I asked the person on the phone how they got her number he said XXXX XXXX XXXX proivde it to them. I'm confused because I wasn't working for this company when I had my XXXX XXXX XXXX service that is volition of my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
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:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( Experinan, XXXX, XXXX  ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

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 2022-01-08
Company: CITIBANK, N.A.
State: NJ
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 noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.

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 2021-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My accounts were hacked and it looks internal. The full print out of transactions i recieved initially is not the same as what i recieved today. XX/XX/2021. Accts XXXX and XXXX were hacked and money stolen and transactions put in the system that are not valid to appear as though i did it. I put a fraud alert on my checking when i noticed my accounts were compromised and chase did not secure my money in any way and i continued to be hacked and money stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 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 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 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

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 2023-04-03
Company: EQUIFAX, INC.
State: DC
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 # XXXXXXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2022-08-25
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Congress Collection is violating my federally protected rights. I never received the dispute notice before furnishing to my consumer report which is a violation of the FDCPA. You are now on Notice to Cease and Desist all communication from me from all mediums including my consumer report. Failing to remove the tradeline will result in me pursuing litigation for the damages this injury is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: DISCOVER BANK
State: WA
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'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has purchased an account from XXXX XXXX that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is one main financial I do have a loan I am making payments on they call me 2 to 5 times a day every day except Sunday I submit payments monthly of the amount owed and they still continue to call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
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:
I have one account reported in my credit report that do not belong to me and I would like to remove it due to identity theft

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