BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have mariner fianc company which use to personal finance company instalment loan which went to collections. but they are still reporting it and are reporting the balances in correctly. there should not be 3 different balances on 3 different credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Unknown : XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: DC
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 it may concern I contacted XXXX XXXX, XXXX and Experian regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, XXXX XXXX, or Experian did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, XXXX XXXX XXXX Experian fail to uphold the FCRA and confirm the validity of this 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 2017-09-18
Company: BB&T CORPORATION
State: NC
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:
I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?

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 2023-01-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a letter to LVNV Funding requesting validation of this alleged debt of {$700.00} they said I owed through a letter I received from them. My request for validation was completly ignored and nothing was sent to me validating this supposed debt. Then I wrote them again in XX/XX/XXXX, and received a reply from LVNV Funding d/b/a Resurgent Capital Services on XX/XX/XXXX stating my request for validation was " frivolous and irrelevent '' and " they refuse to investigate my request ''. I wrote them back on XX/XX/XXXX reminding them that they must validate the alleged debt as per the FDCPA or cease collection attempts and reporting it to the credit bureaus. On XX/XX/XXXX they responded saying they received my request and have enclosed their " account summary as verification ''. What they enclosed was a simple half page document made by someone on a computer, which by no means what so ever did it meet the requirements of legal debt validation. So I once again sent them yet another letter on XX/XX/XXXX again requesting legal validation. I heard nothing back from them. So again in XXXX XXXX XXXX I send a request for validation, and on XX/XX/XXXX I received a reply letter from them stating that they don't " believe '' it was me who prepared the letter requesting validation therefore outright refusing to investigate my request, again calling be frivolous and irrelevant. Over all this time they continue to report this alleged debt to all 3 of the major credit bureau 's as a derogatory and negative account against me, not ever reporting it was disputed. This has cause me much financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am concerned that Experian may have allowed someone to setup a fraudulent online account for the purposes of unfreezing my credit report. However I am unable to contact Experian with the concern, as they appear to have no actual customer service. 

I discovered a fraudulent credit card in my name from a bank that I currently do business with. I had previously frozen my credit report with all 3 bureaus. I was able to login and obtain a free credit report ( confirming the freeze ) from 2 out of 3 agencies, using XXXX. But I was not able to retrieve my report from Experian. 

I attempted to call Experian, but there is literally no option to talk to a human at all ( though I spent at least an hour trying to do so ), and I as unable to confirm that my credit report was frozen. In fact, the computer prompted me to set a freeze or fraud alert. I attempted to create an online account to verify my freeze, but after creating the account I get stuck in a state where there is " an error '' whenever I attempt to retrieve my credit report, only there is no indication of what the error is and to way to get technical support from Experian with the use of their website. 

I had my wife create an online account and she was immediately able to retrieve her credit report ( and confirm that her credit report is frozen ). This adds to my concern that someone may have already created an account with my social security number -- yet there is no apparent way for me to report this concern to Experian.

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 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I completed a balance transfer with 0 % interest for 6 months, but now my statements no longer show the promotion. I have been charged interest for the months XXXX and XX/XX/2022, but the advertised promotion should have been until XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a 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 2018-05-01
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2300.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING SETF MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & SETF IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph 2 of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.SETF action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act

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 2020-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
On XX/XX/XXXX we hired a credit repair agency to clean up my report and on XX/XX/XXXX we saw the improvement we were looking for and proceeded to put an offer in on a house and go under contract the next day. We were however off by just a few points and the credit repair agency said they would be able to get those number up before we closed. 

However when we got the report on XX/XX/XXXX - USAA reported two additional past due, one at 60 days and one at 90 days on a closed account from XXXX. These two additional hits caused a 25+ point drop in my credit score. 

This was done and we now have no recourse and according to USAA it will take 60 days to fix in what took them 6 days to destroy. The issue I have with their error is that 25+ will cost us almost {$12000.00} because if we would have gotten the 10 points based on the XX/XX/XXXX report we would have gotten lender credits to cover all the costs required to close on our house. 

Because we did not find this out until 10 days before closing we feel our hands are tied but we want this to be reported that USAA is in fact not taking care of Veterans which is their tag line but in fact finding ways to punish them and leave them out to dry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello. 
I have been CITIbank customer about 15 years. At the end of 2018 I was notified ( letter ) that my account is going to be closed. No reasons were specified, just stated that based on our agreement bank has right to stop service. I contacted with local branch manager but no explanation have been provided yet even she promised to reply. Then I have been notified that my XXXX XXXX and Home Depot membership would be terminated ( both sponsored by CITI ). I wrote to CITI complaint department to get explanation : what I did wrong, what rules or regulation were broken by me, but I have received response wich duplicate there initial statement without any reasons WHY my account was closed. 
as a result I had to open new account in another bank, recreate/transfer all my online payees to new platform, so many inconvenient things were done. Even though I don't need CITI service any more I am going to write one more letter to CITI to obtain explanation to their action.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( 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 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 2023-02-23
Company: EQUIFAX, INC.
State: AL
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 have violated my federally protected consumer rights to privacy and confidentiality. 

Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX acct # XXXX U.S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : 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 2021-05-08
Company: Experian Information Solutions Inc.
State: NE
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 received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

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