BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MD
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 XXXX, MD XXXX Date : XX/XX/2022 Dear Experian, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX  / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, 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 2023-02-06
Company: Experian Information Solutions 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 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 2022-05-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Frontline Asset Strategies, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BARCLAYS BANK DELAWARE
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:
Somebody stole my identity and used my information And did application for BARCLAYS BANK DELAWARE this was not 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 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
TD Auto Finance was contacted, in regards to a statement claiming a passed due amount. Td informed me that there was a payment missed and I have been charged a passed du amount for close to a year the amount as of the statement dated XX/XX/XXXX {$410.00}, the total payoff amount including the late fees was {$850.00}. 

I paid the amount of {$430.00} to agent id # XXXX ( confirmation number XXXX XXXX the agent told me this is the amount owed minus the late fees. I asked at that time to speak with a person who can assist me in handling the late fees. I was told that it has been noted in the account and a manager was contacted, and will contacting me promptly. 

I have made multiple attempts to contact a manager, XX/XX/XXXX ( manager notified and will call me back ), XX/XX/XXXX agent # XXXX ( manager notified and will call back ). XXXX ( manager notified and will call back ) I called a few more times which i did not keep record of, but every time was noted in my account on TD banks side. 

There has never been an attempt to be contacted by TD auto finance before XX/XX/XXXX, the date of the initial debt collection letter. 

The payment has been on auto pay since the initial payment XX/XX/XXXX. Supposedly 1 payment was missed and no 1 have over {$400.00} in late fees. I have not been contacted regarding late fees until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: WELLS FARGO & COMPANY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, WF CRD SVC, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, XX/XX/XXXXadd a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: PA
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 AUTO : # 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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Re : Formal Compliant against XXXX/XXXX and Experian To Whom it May Concern : This is a formal compliant against both the Creditor XXXX and Credit Bureau Experian, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XXXX19, The initial certified letter was sent to XXXX and delivered on XXXX.19 signed by employee XXXX XXXX. XXXX has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XXXX19 to readdress the inaccurate reporting that is listed on my credit file with Experian, once again this letter was delivered and signed for by an employee. XXXX has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After XXXX failed to respond, I sent a dispute letter to Experian to address inaccurate reporting listed on my credit file on XXXX19, as it was delivered on XXXX19 and signed by XXXX XXXX. Experian has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
I am looking at my report from Clarity Services dated : XX/XX/2022 There is lots of incorrect information in this report. Many of these items have already been removed from my Experian Report but someone they are still remaining on my Clarity Report. 

These are the items that need removal : Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer should ONLY state : XXXX XXXX ( not insurance sales ) There is NO explanation to the consumer as to what the Clarity Credit Score is all about and that is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: AES/PHEAA
State: VA
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:
FedLoan was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. Fed loan informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- FedLoan then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
- Fedloan transfered the loan and there for should not report it on my credit report as the same debt was being reported by two separate collectors. Fedloan and Department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX Removed the posting as a result of my efforts in XX/XX/2018. ( CFPB claim XXXX. ) Diversified Consultants the assumed collection rights for debt as directed by XXXX XXXX. Diversified reposted the debt to all agencies with no validation efforts after XXXX willingly removed the posting This would be reselling of debt to another 3rd party debt collector. A violation of the Dobb Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
i am a live human being i have the rights under 15 USC 1681. 

Equifax is govern by 15 usc 1681. and they have violated my rights too many times. I demand the accounts listed be low removed because according to 15 usc 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Information belongs to someone else

Complaint:
I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
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 2020-07-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Please refer my previous CFPB complaint XXXX regarding Costco Citi Visa card. 
Tonight I called Citi once again at arond XXXX XXXX  central time. Spoke to customer service that I had requested my XX/XX/XXXX statements online on XX/XX/XXXXand they are yet not available. Can you help me? 

She forwarded me to online support. 
At around XXXX XXXX  to XXXX XXXX I talked to XXXX about the same. I told that I have a Citi warranty issue and i need those statements. Citi Warranty has opened a case for me-as that is part of the extended warranty of my refrigerator. My refrigerator freezer is not working since last Saturday. They want those XX/XX/XXXX statements. 
XXXX was very aggressive and not wiling to listen anything. She denied the very fact that i have ever requested those statements on XX/XX/XXXX. As my previous request was not completed in 48 hours ... I need to put another request - but that doesn't mean that the previous request ( XX/XX/XXXX ) was not even there. 

She said that she has made a note of this issue and can't help me. I need to wait 72 hours to get my statement. 
When i said that this is not acceptable and when Citi told me that Customers has to wait for 72 hours if they are accessing their statements which are more than 12 months old? She was not willing to answer. She was not willing to give me any confirmation number or reference number. 

Look at the website : Statements will be ready 48-72 hours after your request, and they're available for 30 days after that. Once you request 12 statements, you won't be able to request more until some of your statements become available. 

Essentially Citi is making the rules and bending it whatever way they want? 
Who is Citi to tell me how many times i can access my credit card statements or not? Has citi told all this to customers ( not in some fine prints or some Card member agreement or some FYI )??? It looks like some tyrant is running Citi and simply doesn't care about the customer or law of the land.

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 2020-07-23
Company: Amsher Collection Services, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

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 2023-05-23
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX applied for services with Affirm to have a contractor perform work from XXXX 's XXXX XXXX. Affirm allows you to finance projects with their buy now, pay later service. Upon talking with the vendor, i decided to cancel the contract for the service. I contacted the company XXXX 's and they confirmed they cancelled the request, however, Affirm is still trying to collect on the service which was never, provided. 
Please help me in getting this cancelled. Again, i have not received any services and neither ( Affirm/XXXX ) is providing assistance in getting this cancelled. I am uploading the cancellation from XXXX 's and the statement from Affirm showing the outstanding transaction. 
Affirm will not accept the cancellation notice from XXXX 's. They have conveyed they want an invoice. I do not have an invoice because the transaction never happened.

Company response to consumer: Closed with explanation