BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

The creditor has and is reporting my credit history inaccurately.

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623.

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ).

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.

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 2023-04-16
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:
According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy

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 2022-01-22
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX, TrueAccord contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by XXXX XXXX, XXXX. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, TrueAccord contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by XXXX XXXX, XXXX. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX  and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at TrueAccord.

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like TrueAccord to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
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:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a automotive repair charge, then the automotive repair facility said they would fix my car, so I cancelled the credit card dispute. 
Then the automotive repair facility refused to fix the car so I tried to re open the dispute with my credit card and they said they do not re open disputes,?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Citi bank offers XXXX transfers to other bank account holders without any type of protection. I made a transfer to a person by the name of XXXX XXXX who has a XXXX account. This person is charging multiple people for the same tickets never providing them with the tickets. I immidiatetly contacted Citi bank but was shut down within seconds satating they are not held liable for XXXX transfers. It baffles me how a bank could offer a transfer service and then state to their customers there is no protection against fraud. The persons email conducting the fraud is 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 2023-06-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX My mortgage company sent a check in the amount of {$3500.00} to XXXX XXXX XXXX XXXX XXXX XXXX DE. 
On XXXX Call Called Barclays Loan department and asked them would the payment be forwarded to the correct office. I was told by the customer service associate that if the payment was not sent to po box XXXX XXXX, PA that the check would not be applied to the account. I needed to stop payment on the check and reissue another check. 
On XXXX I made a payment of {$400.00}, so that the payment would not be late. 
On XXXX mortgage company sent a new check priority mail to po box XXXX XXXX, PA for {$3500.00} XXXX 
On XXXX {$3500.00} was applied to the account. 
On XXXX called customer care requesting a refund for the amount that was overpaid, which was a little of {$700.00}. At the time of the request, the check that was applied on XX/XX/21, had not been applied to the account yet. 
On XXXX Another check was applied to the account for {$3500.00} On XXXXA Refund check of {$4200.00} was issued. 
On XXXX Payment of {$3500.00} was returned due to the 1st check was stopped. Now there is a balance of XXXX and collecting interest. 
On XXXX I called and advised that I have not received the refund check yet. Customer service rep stated that she has requested for a supervisor to call back in regard to refund check. 
On XXXX Called Barclays loan customer service about refund check and was told that XXXX will call back later today. 
On XXXX called and basically stated that there was nothing they could do because the check was issued on XX/XX/21 and I needed to wait 25 business days to request for a stop payment on the check. I requested for the check number that was sent and they do not have records of check numbers. 

On XXXX Called Barclays loan customer service to request stop payment on check and the associate stated that they could not request that and would need to have manager call me back in 1-2 business days for them to request. 
I want my account to be rectified : I do not believe that the loan should be collecting interest after XX/XX/21, since this is Barclays fault for telling me to stop payment on 1st check and I was still waiting on Refund to be issued, so that the funds can be applied to the account. I want the account refunded immediately and the interest to be recalculated and sent a refund.

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 2019-12-30
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 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 is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Arivo Acceptance, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I accepted a loan from this company through a dealership in XX/XX/2023. The tradeline was opened on my credit report the following month. Things seemed fine until I began looking for ways to boost my credit score in XXXX and noticed that this account had not been updated on my credit since XX/XX/2023 and while it reflected that the payments for those 3 months were on time, the balance had not changed. I contacted the company in XXXX and was told that they report every month. I questioned why my report did not show an update since XXXX and was told that I would need to send an email to their disputes department. I questioned why an email was needed for something they said they do automatically. In a later phone conversation, I was told that the prior representative should not have told me they report every 30 days because the XXXX XXXX department only had XXXX person and they were " working through a backlog ''. Again, they told me I would need to send an email to disputes and wait for them to get to it. In XXXX, I began looking to re-finance this loan due to the high interest rate. When I reviewed my account online for the balance, it reflected ( incorrectly ) that I was due for payment from XXXX, the account was 16 days past due, but the last payment made had been XXXX. When I questioned this, I was told " the App is having issues '' and the account was current and not due until XXXX. I was again told to send an email if I wanted my credit report updated. This company does not offer billing statements, and everything is done through the App, so if it is not correct, how can I manage my account properly? At this time, I again checked my credit report and found that not only was it not updated for this account since XXXX, it was now showing the account marked " closed '' but still full balance owed. I again questioned this with the company and was told to send an email. I refinanced the account with another lender for a better rate on XX/XX/XXXX and a payoff was mailed by the new lender to the physical address on the payoff letter on XX/XX/XXXX. As of XX/XX/XXXX, the App still reflected a balance and no payment since XXXX. I chatted with an agent and was told that the payment has not been received or applied and it could have been because the entire payment team had " been off for the holiday ''. I asked if the payment would be backdated since the payoff was only good through the XXXX. They said they could not answer that question. As of XX/XX/XXXX, the App still did not reflect my account paid off. I chatted with an agent who said the account was paid in full as of XX/XX/XXXX on their side and not sure why the App did not reflect that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation