BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TN
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 or 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 2022-12-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 


Inquires : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Personal information incorrect

Complaint:
I have obtained my free credit report through the XXXX cite. After revising the information in depth. The SSN on the XXXX report was incorrect. The addresses shown only 2 were correct. Additionally, accounts that I have closed and paid off still list on the Accounts open, and also credit cards that are XXXX XXXX XXXX still reflect under XXXX XXXX. I show 11 to 20 accounts open which in incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
I am requesting that those charges be removed.

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 have filed disputes for incorrection information on my credit report. It has surpassed the the 30 day window for the results to come back.

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 2022-02-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Autovest, L.L.C.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX a car I was making monthly payments on was repossessed after I lost my job and was unable to keep up with payments. I do not know what happened to the car after getting repossessed. On the XX/XX/XXXX, XXXX Autovest LLC purchased my debt to XXXX XXXX XXXX Their contract shows no amount. I was never aware that Autovest LLC did this until I was served a summons on XX/XX/XXXX. I have been living in the same address as the one they sent my summons to since XXXX and I never once received a written document showing me they ( Autovest ) had purchased my debt and never received a written document to settle this debt. Instead they are suing me for {$2900.00}. An amount they say I owed the original lender XXXX XXXX XXXX ( the company they bought my debt from ) In an attempt to determine the deficiency balance I may owe I contacted XXXX they told me I owed {$2800.00} at the time the car had gotten repossessed in XXXX. They did not tell me if the car was resold. All they told me was the debt was sold to Autovest LLC. They also could not tell me how much Autovest LLC purchased the debt for and that I can get that by calling Autovest directly which I ended up doing. But when talking to Autovest they still would not tell me how much they bought the debt for and told me to contact their lawyer to get more info and then hung up on me.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
I've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back

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 2022-02-22
Company: DISCOVER BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX i accepted an offer from Discover to consolidate my debt with them. 
I explain that the amount of {$1200.00} needed to be send to XXXX XXXX XXXX  ( and provided the account number ending in XXXX ( the payment instead was mail via check to XXXX XXXX XXXX XXXX and it was deposited to a different account number XXXX XXXX XXXX 
XXXX  XXXX was nice enough to send me a letter dated in XX/XX/2021 they are not affiliated to XXXX XXXX and that the address that reflects the payment address it's for XXXX  XXXX. 

I've been trying to reach a resolution with Discover since XXXX and all i get is the run around and this balance it's still showing on my Discover Personal Loan. 
I need them to remove this charge soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!

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 2023-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, and 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 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 2019-05-03
Company: Federal Pacific Credit Company, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. XXXX is a third party collection company representing Federal Pacific Credit Co. that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine and weiner was contacted by me in XX/XX/XXXX and XX/XX/XXXX.I still have yet to get any responses from them. This debt is reporting inaccurately and they have continuously failed to contact me regarding where they are verifying this information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: AFNI INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. 
I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Shellpoint Partners, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage serviced by NewRez and the payments are set up for automatic payments from a checking account. This has been in place for years with no issues processing my payment every month. On or about XXXX of 2022 the automatic payment did not process because New Rez said my checking account was 'Frozen ' but they did not notify me. I did not hear from them and when looking at my account history in XXXX noticed the payment was not debited. New Rez reported my payment XXXX days late. I contacted them and they could not explain why my payment did not process. I contacted them again and they finally explained their system showed my checking account as 'Frozen ' and that my bank would have to supply them a letter of explanation and they could correct the issue. I have supplied New Rez this bank letter several times now and they still have not removed the late payment reporting or the late fee they assessed. My bank letter states the account was never 'Frozen ' and so this was not my fault. As soon as I learned the payments were not made, I paid them, and I also had to reestablish the automatic payment service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My name is XXXX XXXX and I am an XXXX   lady on the fix income. I have been paying my credit card with Capital One for more than 3 years. I saved some money to pay it off and on XX/XX/20 I have made a call to Capital One and was told that to payoff the card, I would need {$1500.00}. The call was made to XXXX at XXXX. The representative confirmed the amount of {$1500.00}. I called back and authorized the payment on the automatic system that was also {$1500.00}. On XX/XX/20, I checked the bank statement and the amount charged was {$1900.00}. I called Capital One on XX/XX/20 at XXXX XXXX and supervisor said that I actually owe {$1900.00} and not {$1500.00}. When I asked how is that possible that information changes on automatic system and representative, she responded that she " does not know ''. I have explained to the Supervisor XXXX ID # XXXX that the amount does not change in 1 day when I have not used the card at all in years and was making the minimum payment. The Capital One never had my updated address, so I never received any of my statements. The Manager promised to send me the statements within the next 10 days. The whole situation is very upsetting because I feel that Capital One is taking advantage of the XXXX  less fortunate clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.

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