BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data. 

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access. 

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance. 
2. To review an individual 's suitability for employment purposes. 
XXXX. To underwrite insurance policies or assess claims. 
4. To evaluate eligibility for government licenses or benefits. 
5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement. 
6. To gather information for legitimate business needs in connection with a business transaction involving the consumer. 
7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports. 

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed. 

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations

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 2022-09-08
Company: EQUIFAX, INC.
State: GA
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/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation 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 2021-09-25
Company: OLD NATIONAL BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 - I used my bank 's HSA checking account to make an online payment ( via debit card ) to my 3rd party XXXX  administrator, XXXXXXXX XXXX  payments are an authorized use for an HSA account. 

XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I used my bank 's HSA checking account ( debit card ) to again attempt the online XXXX payment due to XXXX. 

XX/XX/2021 - I also communicated with my bank via their secure e-mail system. I informed them I was using this account to make authorized XXXX payments to XXXX. I requested they not VOID my payments. 

XX/XX/2021 - My bank replied ( by their secure e-mail system ) with a single comment, " I have notated the account for you. '' XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I communicated with my bank, requesting they reverse this action. Time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a new vehicle. An extended warranty that cost {$2600.00} and GAP insurance that cost {$750.00} was added to the loan. I went in 3 days later on XX/XX/XXXX to cancel within the 30 days for a full refund. XXXX XXXX assured me a refund would post to my loan by early XX/XX/XXXX.  When that did not happen I contacted their customer service representative who did not respond back, but had XXXX XXXX contact me. XXXX Left a  voicemail on XX/XX/XXXX assuring me the cancellation was in process and that the lender would get a refund with in 3-5 business days. On XX/XX/XXXX I still did not see a refund so I called XXXX XXXX who said he needed to get with his cancellation department and he would call me back. He never did call me back. Their customer service representative also ignored my emails. The contract says I can cancel but now I'm at the mercy of XXXX XXXX XXXX if they want to cancel the warranty contract and GAP coverage, even though I was fully entitled to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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: Their investigation did not fix an error on your report

Complaint:
Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called XXXX names and hung up on. I have been having the issue since the beginning of XXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use XXXX slurs is very disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am filing this complaint about the data breach. You onto the Equifax website, and get the run around. You call them, and speak with someone who can barely speak XXXX, but says their in Oregon. They tell you that you can not use an IPhone, but it has the mobile app. You are messing with people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: MD
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should 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 breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
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 opened this account app XX/XX/2020. I used the card for a two purchases and never got a statement in the mail. I know I owe the money for the purchases that is not my dispute. ( I have sent in the money to make the account current ).

My issue is two fold 1 ) I was charged numerous late charges 2 ) My XXXX credit score was majorly lowered by 90 points according to XXXX XXXX 

I tried to explain this to their collections representative but was told in no uncertain terms there was nothing they could or would do on my behalf. 

Thank you in advance for your attention to my problem.

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 monetary relief
Consumer complaint received 2022-09-08
Company: Brock & Scott, PLLC
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:
Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. 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 is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit.

2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 
4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 
5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.

6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.

10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

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 2023-03-10
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an account open with XXXX XXXX XXXX. This account had been transferred to UAS connect and then got transferred to the Department of Education. On XX/XX/XXXX this account was paid in full. My fianc and I recently applied for a home loan and got rejected because this account was still listed on my credit report as open and unpaid. I called Equifax and asked them to remove it and told them it had been paid off. I was told to submit proof so I reached out and I acquired proof from both the Department of Education and XXXX XXXX XXXX  that this account was paid off. I was then told that this information had to be submitted by the original loan holder. I had my contact at XXXX XXXX XXXX  send a letter to them on XX/XX/XXXX saying this account was paid off, giving the date it was paid off and asking that this account get closed and removed. After a few weeks going by and no change, I called Equifax again about this, asking if they received the letter asking this get removed. The man I spoke to said I needed to dispute this account again ( for the 4th time since it was paid off ) and after disputing this, they said they would need to contact the original account holder for proof and closed my dispute and made my credit score go down XXXX points for no apparent reason, since they made no change to my credit report. XXXX XXXX says they have heard nothing about this account from Equifax. I don't know what to do next to get this removed from my account. I have many forms of proof that this account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Garcadia Financial LLC
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:
On XX/XX/2021 I sent Foursight Capital a letter informing them on the laws that they are breaking from the US Code. I have been informed that Foursight Capital is reporting a car loan to my consumer report with the three major credit agencies, XXXX, XXXX and XXXX. Please be informed, Pursuant to 15 USC 1681 2 ( B ) states that any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device ; must be excluded from a consumer report. The US Code also defines the word CREDIT CARD, The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So according to 15 USC 1681 2 ( B ) you are illegally reporting a credit transaction to my consumer report. I have the right for this TRANSACTION to be EXCLUDED from my consumer report on XXXX, XXXX and XXXX. 
Pursuant to 15 USC 1681 2 ( B ) My social security card is a CREDIT CARD according to 15 USC 1602n. My social security card was used to obtain CREDIT. As stated previously the US CODE LAW states that information is suppose to be excluded from my consumer report. I demand that they remove this transaction from my consumer report with XXXX, XXXX, and XXXX within 5 days of receiving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Selene Holdings LLC
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX   notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Consolidated Information Services Solutions, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a new inquiry and I am not looking for credit nor did I sign an application to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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: Their investigation did not fix an error on your report

Complaint:
Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of XXXXXXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.

Company response to consumer: Closed with explanation