BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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: Account information incorrect

Complaint:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I am writing to update to paid on time the following information appearing on my credit file. 
I noticed this while reviewing my file on today XX/XX/2022. Validate the accuracy as you have the civil liability to report correct accurate and up to date information. 

update the following late payments reporting XXXX XXXX XXXX late payments {$170.00} XXXX updated 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 2022-06-27
Company: CBC Companies, Inc.
State: NJ
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 see on my report it shows factual data as the name it comes under when I called the number associated with factual data they directed me to XXXX XXXX XXXX, I never even did a pre qualification with this company and someone either used my name or somehow they got a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Aidvantage on XX/XX/22 to request a refund of {$1900.00}. The refund was for funds that I had paid during the XXXX payment pause. I was told it would be processed and I would receive a refund in XXXX weeks. I called back about XXXX weeks after my request to check the status since I had not received the refund. They said that the time frame had changed to XXXX but my request was approved and I didnt need to worry. Throughout this there was no way to get a tracking number or any confirmation outside of verbal confirmation. When I called back XXXX weeks later XX/XX/22 I was told that it was approved but never processed so the request was not sent to the XXXX XXXX As of the XXXX I was told this has been processed and expedited but since the Treasury is back logged it will still be an additional XXXX weeks. This will leave me without a refund for up to XXXX weeks from the original request all due to them not properly submitting my request. They said there is nothing more they can do. I find them XXXX XXXX  at fault and I am left without money that is rightfully mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 erroneous charges appeared on my husband 's checking account/debit card statement for which I am listed as co-owner. The statement attributed the charges to the " joint account holder. '' There were three charges, two to a XXXX XXXX restaurant for {$25.00} and {$95.00} and one to XXXX XXXX XXXX for {$1800.00}. My husband called the phone number listed for XXXX XXXX ( XXXX ) and a recording answered claiming he had reached XXXX XXXX, an online payment processor, and advised him to contact the leasing company or property management company to which the payment was made. Since we have no idea what or where XXXX XXXX is, he tried a number for a XXXX XXXX in XXXX, FL and got nowhere. He reported the fraudulent charges to Capital One, holder of the checking/debit account, cancelled and destroyed the only existing debit card and received a replacement from Capital One a few days later. On XX/XX/2022, my husband received a call from XXXX XXXX from XXXX XXXX corporate headquarters. XXXX XXXX looked into the charges and provided copies of the receipts for the charges that were made using the telephone app Onedine at one of their restaurants in XXXX XXXX, CA. ( Receipts are attached to this complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: TX
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 Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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. 

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX I, XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
I submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: FinCo Services Inc DBA Current
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account has gotten money stolen out of it from a XXXX XXXX account ( {$1400.00} ) ( XXXX XXXX ). When contacting XXXX, they asked for my information and none of it matched with the account that my money was going to. When discussing the situation with one of their customer care representatives, they said that it was indeed fraud and to have the money refunded through my financial institution. After showing these documents and statements to Current, they still have denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2022-06-27
Company: Experian Information Solutions Inc.
State: IL
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:
Reporting XXXX XXXX, XXXX and Experian about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST 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 explanation
Consumer complaint received 2022-04-25
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Title max illegally repossessed my car after failing to acknowledge my freedom on information request by law and failing to cancel the contract and violated 15 usc 1692e false and misleading representation they fraudulent sent mail under 18 usc 1001 they violated the truth in lending failing to properly disclose the the truth in lending act and also violated fair debt collections act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

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 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 2022-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from my Credit card company that a new inquiry was made. After looking it up I discovered that a Credit Card inquiry had come in, a hard inquiry which was not initiated by me. It was a fraudulent attempt to use my credit. After a great deal of effort I was able to stop the card and the bank XXXX XXXX XXXX XXXXXXXX XXXX said the card was stopped and that the hard inquiry would drop off after 2-3 months. This occurred on XX/XX/2022. Nothing has been removed on this inquiry and still appears on my Experian 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 2022-07-28
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 ; XXXX XXXX BALANCE : {$1100.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX BANK ) XXXX BALANCE : {$320.00} ; XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account time after time for the better part of a year and a half, all the bureaus say its verified with absolutely no proof of the account that should meet the fcra standards. Theres no true investigation going on, I have no ties to the alleged address they stated I lived at. The amount is XXXX, and the year date of the account is from XX/XX/2016.

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was called on phone by XXXX XXXX  regarding a debt ( XXXX ) I did not know existed to the apartment complex I moved from in XXXX ( XXXX XXXX XXXX  ). XXXX XXXX XXXXep stated they had sent me emails and had called previously. I never saw the emails in my inbox or spam folder. If they left a message on my phone I never heard it. As I found out later the apartment complex gave them the wrong phone number. ( see conversation I had on XXXX XXXX chat ) ============================================= We have been trying to reach you since XXXX  to the phone number given by the creditor XXXX  and we have sent emails to XXXX me XXXXXXXX XXXX that is not my phone number me XXXX XXXX my phone number is XXXX me XXXX XXXX i swear nothing was in my email inbox at that address =============================================== This whole problem originated by XXXX in XXXX being totally unorganized with the move out process. The portal access to my account was closed immediately and I was never sent my final bill, deposit due back or anything. Not by phone, email or mail. They had all my forwarding info. 

My whole point now it this debt has been paid in full as of today XX/XX/XXXX and this collection should never be sent to the credit companies ruining my perfect credit for 7 years. 

XXXX XXXX representative stated they have not sent to credit companies yet but I want to make sure they do not. See communication on chat below : ================================================ This account has not been reported to any credit bureaus by XXXX XXXX  as of today. As long as the account reaches a {$0.00} balance by XX/XX/XXXX, this will NOT be reported by XXXX XXXX. If you set up a payment plan that extends past XXXX whatever the remaining balance is, could be reported to all three credit reports. Once your account reaches {$0.00} balance, if any credit bureaus were notified of this account, we will advise them to update accordingly. It can take them an additional 30-60 days to update that information. 
================================================ So, I think I'm ok but want reassurance my credit will not be affected. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's 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 non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSWORLD SYSTEMS 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:
In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation