BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: FL
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 credit limit was lowered from {$5000.00} to {$700.00} because XXXX XXXX got a report from a credit bureau that told them my limit should be lowered. 
I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution. 

XXXX XXXX representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.

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 2023-02-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries associated with XXXX XXXX XXXX XXXX XXXXXXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX 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 from my credit report account.

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 2022-06-16
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX of XXXX I reviewed my American Express Serve statement and noticed some unauthorized cash pick-ups. I went all the way back to XX/XX/XXXX, and noticed several more thefts. My account was hacked and repeatedly stolen from. Because I had healthy balances I did not check my statements every month. There were XXXX transactions that all took place in XXXX, XXXX. I have not been to XXXX since XXXX and have no connections there. Here is the initial list : XXXX. XX/XX/XXXX - {$700.00} XXXX. XX/XX/XXXX, " - {$300.00} XXXX. XX/XX/XXXX " - {$800.00} XXXX. XX/XX/XXXX, " - {$1000.00} XXXX. XX/XX/XXXX, " - {$1200.00} XXXX. XX/XX/XXXX, " - {$800.00} XXXX. XX/XX/XXXX, " {$800.00} XXXX. XX/XX/XXXX, " - {$1400.00} XXXX. XX/XX/XXXX - {$1900.00} XXXX. XX/XX/XXXX, " - {$1000.00} I called American EXpress Serve Customer Service. I canceled the card and reported the theft. They sent me an email stating : " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX XXXX I wrote them requesting the documents they relied on to make their decision and received nothing. 

On XX/XX/XXXX, I reviewed my statements and noticed more theft. 

XXXX. XX/XX/XXXX, - {$1500.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$700.00} XXXX. XX/XX/XXXX, - {$550.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$900.00} All totaled {$18000.00} was stolen. Amex XXXX has done nothing for me. When I called them this time I was transferred to the Fraud Dept. I spent XXXX mins on the phone going through the listed thefts with a rep. They sent me another email still stating that " no error occurred '', and that the transactions were authorized. 

This is wrong!!!!! I need Help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all XXXX bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with Experian and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!

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 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX  on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once XXXX XXXX XXXX XXXX got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then XXXX XXXX XXXX XXXX  charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who XXXX that a representative from XXXX XXXX XXXX XXXX advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.

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 2022-06-16
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair 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 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 a collections account from 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 non-monetary relief
Consumer complaint received 2022-06-16
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:
Someone has stolen and used my credit identity to apply for credit and get accounts in my name.

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 2017-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/ I spoke with representative at Ally Financial regarding my past due balance and future payments. My vehicle was under review for repossession and I aware that a payment was needed immediately. I advised the representative I made a payment of XXXX earlier in the week to show my effort to make payments and continue weekly since my job pays weekly and we are due for overtime since our production is going up. I advised I would make payments weekly now to catch up and get the balance back to current. She advised to make an additional payment of XXXX to avoid possibly having my vehicle repossessed. I agreed to do so the following day and she stated she would note the account. The following morning before I could go to work, my vehicle was dragged out of my driveway by XXXX XXXX which Ive experienced very rude service through the operator or dispatch. I felt violated and lied to. I was truly blindsided by this event which also caused me to miss days at work. Ally financial has truly lost their trust as an institution to finance my vehicle and I look forward to refinancing with a bank Ive had a relationship for many years now.

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 2018-04-09
Company: American Financial Network Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. XXXX online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of American Financial. 

I have called American Financial - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, XXXX is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

XXXX sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian continues to report that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX is been reported accurately on my credit report. On XX/XX/2021 Experian got a request from me for ''THE METHOD OF VERIFICATION '' proving to me that they had investigated the matter and how they came by there determination to say that XXXX  XXXX XXXX was been reported accurately on my credit report. It is my right under the Fair Credit Reporting Act to ask for this and the Fair Credit Reporting Act also states that the credit bureau has 15 days after I have made the request to supply me with my request. Today is XX/XX/2021 and I have not gotten the method of verification and this is a clear case of a FCRA violation. I have submitted other complaints about the same issue on this system. Its almost two months that they got my request and have unable and or refused to provide the method of verification requested. It is illegal to continue to report some thing on my credit report as been accurate but can not provide the documents to back up that story. 
It is insane and unprofessional for Experian to continue to report an item on my credit report as been accurate but refuses to provide me with there method of verification. I dont owe XXXX  XXXX XXXX any money but yet Experian continues to hold my credit hostage. This complaint is filed so that when I do decide to take legal action against Experian there will be some form of documentation proving that I contacted the credit bureau on numerous occassions to delete XXXX  XXXX XXXX from my credit report. I also contacted Experian for there method of verification and they have refused and this is a clear FCRA violation. Experian should delete XXXX  XXXX XXXX from my credit report immediately.

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 2016-11-12
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Notice for Proof of Claim Account : COMMONWEATH FINANCIAL SYSTEM D45736 XXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or  agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has stolen and used my credit identity to apply for credit and get accounts in my name.

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 2022-06-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is actually a apartment rental debt. This debt was to be paid by XXXX XXXX. I applied to XXXX XXXX and they were to pay this debt due to the Pandemic-Covid 19. the amounts are incorrect as well. I submitted all documentation to XXXX XXXX for amount to be covered

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to call XXXX and ask for dates on the collections account they placed saying I owe them for back owed insurance. I cancelled my premium with them in XXXX of 2018 because I went with XXXX for a lower rate same insurance. Now XXXX  refuses to take this collection account off my credit report. I have provided several times to them my proof of insurance with XXXX during they time XXXX tried to bill me for insurance premium when I did not have them. They keep refusing to delete collections account off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A 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 a account without my written instructions.

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