BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: OR
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. 

Indigocard # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX   XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame

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 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had back XXXX in 2015 and could not work, received temporary XXXX, a small percentage of my income. I used two credit cards to survive and always made my payments on time. I am back to work and paid off the two amounts on time, same day to pay was the XXXX of the month. XXXX XXXX was excellent, no issues. Capital One received my balance in full as they advertised on the XXXX and by today the XXXX created a XXXX charge, pure interest. This is unfair since I paid what I was told would bring my balance to zero before time, their app literally showed XXXX balance for a week. Capital one employees did not know how to justify their ghost charge, cycles no where else mentioned and will not remove them, thou they were directly asked to remove them.I believe They must clearly state at the pay off page online that balance may be incomplete in order for their action to comply with Fair trading ... I refuse to pay for a charge Capital One adds at will after they received my balance in full. I feel scammed now that I may end up with a bad reference in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: AES/PHEAA
State: MN
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:
In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. 

I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX  XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. 

When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... 

Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. 

There are a whole bunch of other issues with XXXX  XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. 

I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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: Was not notified of investigation status or results

Complaint:
XXXX / 30 days late in XX/XX/2020, XX/XX/2020, XXXX XXXX, 60 days late in XX/XX/2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX XXXX 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2021-06-09
Company: EQUIFAX, INC.
State: TX
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated, and I am seeking assistance in addressing this issue. 

On [ Date ], I obtained a copy of my credit report from [ Credit Reporting Agency Name ] and discovered several inquiries that I did not authorize or recognize. These inquiries are not associated with any credit applications or services I have requested, and I have reason to believe they are the result of unauthorized access to my credit information. 

The unauthorized inquiries listed on my credit report are as follows : [ XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] I understand that unauthorized credit inquiries can have a negative impact on my credit score and financial well-being. It is of great concern to me that my personal information may have been accessed without my consent, potentially leading to identity theft or fraudulent activity. 

In light of this situation, I kindly request the following actions to be taken : Investigate and verify the legitimacy of the unauthorized credit inquiries on my credit report. 
Ensure that these unauthorized inquiries are promptly removed from my credit report. 
Identify any individuals or entities responsible for these inquiries and take appropriate actions to hold them accountable. 
Provide guidance on steps I can take to protect my personal information and credit in the future. 
I believe that the CFPB plays a critical role in protecting consumers from such violations and ensuring the fair and accurate reporting of credit information. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.

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 2019-09-25
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, EQUIFAX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, EQUIFAX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate

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 2022-12-10
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received random call female left voicemail stating personal information about me and I owe Citibank money. I do not have a Citibank bank card. I returned number to clarify this misinformation. I called from other device and when I was connected and given reference number. A female then transferred me to a male stating my social security which I refused to supply and the male said I owe Citibank money and were coming to my home address within the hour to collect. I refused any information and denied having a Citibank card. The male told me to XXXX XXXX. I then replied this is a scam and I would be reporting this information immediately. The phone number came from XXXX florida 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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : TRANSUNION, XXXX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
Transunion, XXXX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame

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 2019-09-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will allow me to login and view ALL of my Credit Bureau Report information including all the addresses I've lived /currently living at. 

However it does not let me raise a dispute online siting " Security concerns ''. 

When I raised a dispute over the phone, I wasn't given a dispute number to track the solution.

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