BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give Experian written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Wells Fargo account and credit card was closed with no information on why they closed it.. I. always paid more then my minimum payment on card and always before the date.. when I contacted them they would not give me any reason in why they closed. My accounts ..it happened about 8 years ago mayb more dont really remember dates

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 2022-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion, XXXX showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my XXXX XXXX drastically and asked them to remove it however not done yet. Privacy act of 1974. I have submitted another dispute and waiting to see what the results are but need this removed 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: AL
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:
Hello! While analyzing my credit report, I noticed fraudulent accounts on my credit report. I got in touch with my cousin, who is an attorney and is familiar with credit law. So I filed an Identity theft Report. Please help me in this situation because I am in the process of purchasing my first lease property and I plan on closing in about two weeks so I want this process to be swift so I can move on with my life. Thank You for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX I deposited a check via the Huntington Mobile App. I knew there was going to be a hold put on the check because this was the first time presenting this check. By Monday the XXXX I was unable to log into my account via my phonemy account was totally blocked. I called Customer Service and was informed that the bank couldnt verify the check and it was being reviewed by the Fraud Department. 

I received an email from the bank that the Hold was Released and the funds were available. I drove to the branch and was informed that I could not withdraw my money and I needed to speak with a branch manager.

I went home called Customer Service and requested a Supervisor. I was told that I was a high risk and they were ending their relationship with me and the check was still being reviewed by the Fraud Department. I was told that any direct deposits would be returned. 

I do not understand why this happened. I contacted the company that sent me the check and they are going to void the first check and re-send me another check. 

I do feel that I did anything to be treated this way??? The bank can black ball me and mess up my credit history with false accusations of fraud. I really need HELP. I have been treated unfairly and my money is being held up so that I cant pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered copies of my credit reports after receiving notification alerts that my scores had dropped. After reviewing my reports, I noticed that Aidvantage is reporting all of my student loans as being in default but also as being part of a bankruptcy case. On two of my credit reports Aidvantage is being listed five times whereas it is being listed twice on another credit report. I initially followed the dispute process and disputing all of my accounts with Aidvantage as being reported incorrectly. The credit agencies sent my results showing Aidvantage verified all of the accounts as being reported correctly. The loans were in deferment, but I applied for loan forgiveness due to several years of Public Service and was approved. My loans were first consolidated and then approved. I did receive a initial letter stating forgiveness, but the letter was destroyed in a house fire. I mailed a certified letter to Aidvantage questioning the reporting as well as requesting for a verification letter so that I could send the letter to the credit reporting agencies. I received no response. Most recently, contacted Aidvantage and spoke to a representative explaining the same situation. The representative placed me on hold for approximately seven minutes to receive my file. I was informed that a copy of the original letter I was sent showing satisfaction of the loan through forgiveness would be mailed to me. However, I was sent a generic letter dated XX/XX/, showing the consolidated amount and interest rate of 5.000 %. Nowhere in the letter is there any mentioning of my loans being forgiven or my account being closed with a XXXX balance. When I log into my account, a XXXX balance is showing, but the credit reporting agencies will not accept a printout from the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Applied for increased amount of life insurance. Offer came back at a higher premium than quoted. Unwriter referenced Lexis Nexis score as the reason why. Have secured the full Lexis Nexis report. It is grossly inaccurate. Following are the inaccuracies : 1 ) A former roommate is listed 11 times under the " Identification Records '' with my social and birthdate.

2 ) There was no lapse in my car insurance between switching from XXXX to XXXX in XXXX of this year. Have proof, including the SC DMV letter acknowledging this correction has been noted. XXXX ended on XX/XX/XXXX and XXXX began on XX/XX/XXXX. 
3 ) Section 6, XXXX, Page 26, Record 4 : This is devoid of any information, as are the other 3 records, except for the word " XXXX  '' next to the category " Type ''. Don't know what this is or is not, but I'm concerned with the word " XXXX  '' on my record. Especially given that the underwriter notified our insurance agent that she couldn't actually see any of the report that we're looking at. Simply she was given a score number that she based her downgrade of my insurablility rating. The word " conviction '' seems like something that might prove detrimental to whatever is this scoring rubric. 
4 ) XXXX XXXX File Report, Page 1 : DOB/Age shows " XXXX ''. 
Dependents shows " OO '' ( I have two ) Address shows " Since : XX/XX/XXXX '' ( I have rented here, with stellar rental history, since XX/XX/XXXX, proof available. ) 5 ) Employment : Is completely devoid of any information. ( I have worked at the same job, same company since XX/XX/XXXX, earning $ XXXX. Have proof of this too. ) Would like to see this corrected as soon as possible, as my family 's security ( via adequote life insurance ) is in limbo until this is corrected, thereby supplying our underwriter with accurate information to be able to return my insurance offer to its original status. 

Thank you so very much for your time and effort and for being around to help those of us who are negatively impacted by this sort of gross negligence in information accuracy. 

Please let me know what I need to do to aid this effort further. I'll be glad to supply whatever information necessary to move this correction forward with expediency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
NetSpend has a product called Skylight One that allows people to sign up with an email address and get their paychecks deposited to a prepaid card of some sort. 

This company, however, does not verify the email address when signing up, and someone else has used my personal email account. NetSpend refuses to correct this entry in their database, do I continue to get messages for this customer, which has revealed to me the person 's first name and last 4 digits of the prepaid card signed to them, which I consider to be a data privacy beach. 

NetSpend support representatives tell me there's a " security reason '' ( their words ) that block them from correcting their system and removing my email address, which is now also a CAN-SPAM violation, do I'll be pursuing a complaint there as well.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-08
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ID Analytics, Inc.
State: LA
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 want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my 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 explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: VA
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:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; CXXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation