BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
they lower credit limit on this date .so low that by me paying the minimun amount i will be going over the limit. now that i spoke to them they said to pay more this way i wont get over the the limit. the credit card that i have was XXXX limit now is XXXX which at that time i had a balance of XXXX, now my credit with interest is XXXX which leave me with XXXX left by me XXXX a month half of it will be paying interest so eventully im going over the limit. i feel this is not right for the consumer it does not leave any room for movement.

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 2022-11-29
Company: Aargon Agency, 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 XXXXXXXX : " No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act ... '' In accordance with the Illinois collection agency act, a collection agency has to be licensed in the state of IL to attempt to collect alleged debts. This company is in direct violation of that statute.

They are also in violation of 15 USC 1681b ( 2 ) for furnishing information to my consumer report without written consent from me to do so, as well as 15 USC 1692c ( a ) for communicating with me regarding an alleged debt without prior consent given by me.

I will be filing complaints with the Illinois attorney general office as well as Nevada 's state attorney general and the better business bureau.

I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office .

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has once again destroyed my credit and dropped it from an XXXX to a XXXX for a matter that should have been resolved in XXXX. I contacted the company every month to pay my bill in the PAST ( before the first negative credit reporting ) and was advised to seek help/call the XXXX help line which I did. Their representatives repeatedly advised that the problem had been fixed and my payment would be processed. They then reported me to the credit bureaus for being late which significantly damaged my credit. I filed a complaint with CFPB and XXXX  at that time. My credit score was restored and increased to an XXXX reflecting that I take a lot of pride in paying my bills on time!

XXXX has once again reported me to the credit agencies for a matter that should have been resolved in XXXX ( 9 months ago ). I view this NEW credit reporting to the credit agencies as retaliatory in nature for the complaints that I made to CFPB and XXXX  in the past. I have made every single payment on time with XXXX since I had to fix the problem myself back in XXXX with no help from them. I view this new credit reporting regarding an old issue as an attempt to continue to harm me for reporting their horrible business practices. I obviously pay XXXX bills on time or I wouldn't have an XXXX credit score. And I didn't have a single missed payment with my previous mortgage lender for 6 years ( the life of my mortgage with them ) so the problem is clearly THEM.

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 2022-06-01
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

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: Global Lending Services LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been a victim of identity theft, serval accounts have been open frauduelnt by some one who stolen my identity, fraud account reporting to my XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an auto financing via CarMax on XX/XX/2022 and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can never be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. CarMax only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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 asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. XXXX has unknown accounts on my credit report that Im asking to be deleted! 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent letter ( written : XX/XX/2023 + XX/XX/2023 ) to Experian requesting for original contract which should include a signed agreement whether that be from original or third party lender. This information was not received, even after 'Disputed Results ' The Person ( XXXX XXXX XXXX  ) did not have my address, it seems that they've had another address that I'm not associated with ( called USPS to inquire and picked this mail up, ) then sent a letter to my home address which became an invasion of my privacy after inquiring information with Experian instead of unauthorized lender.

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 2023-12-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: FISERV INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, I received unemployment funds on a card from the bank Money Network. The card number for my Money Network account is XXXX XXXXXXXX XXXX XXXX On the Money Network app I input my account number to my XXXX XXXX account and transferred funds from Money Network to XXXX XXXX. The dates and amount of those funds are listed below. 

XXXX XXXX- {$500.00} XXXX XXXX- {$500.00} & {$500.00} XXXX XXXX- {$500.00} & XXXX The account number was input incorrectly, and the transferred funds were not transferred to my XXXXXXXX XXXX account and they still are not in my XXXX XXXX account. I called Money Network and they informed me that the funds were successfully transferred to XXXXXXXX XXXX. I then visited XXXXXXXX XXXX and they informed me that the account number ( that the funds were transferred to ) does not exist. Therefore once they received those funds there were unable to deposit it into the account because the account number that it was sent to does not exist. So then XXXX XXXX sent the funds back to Money Network. I called Money Network to explain that XXXX XXXX does not have those funds and that they transferred it back to Money Network ; I provided documentation by fax, email and mail proofing that. Money Network was supposed to put those transferred funds back into my account, but they are saying that the funds were transferred successfully to XXXXXXXX XXXX XXXX XXXX provided me documents that states otherwise, therefore Money Network does indeed have those funds and those funds should be in my account, which it is not. 
I opened a dispute with Money Network and this has been an ongoing dispute for months. Money Network denied the claim a few times stating that the funds were received by the intended institution. I have requested copies of the documents they used to come to that conclusion, and they have never sent those documents. I recently called again and have not been able to speak to a manager because the line disconnects when I am connected to a manager. I have never seen the documents used to determine that the transferred funds were successfully sent to XXXXXXXX XXXX 
For months now I have called, emailed, faxed and mailed documents from XXXXXXXX XXXX stating that the funds were never successfully transferred. My claim has got denied multiple times by Money Network. Recently I have taken note of who I spoke with, at Money Network, and what they said. I am able to provide that information if needed. I have gone through a lot of stress during these months trying to get money back that rightfully deserves to be in my possession. It has been especially stressful because I was in unemployment and that was the only funds I was receiving and I dont have it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Sequium Asset Solutions, LLC
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 was checking my credit report and i noticed an error on my report. it looks like a Bill that i never had before. can you please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # 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 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 explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 
XXXX XXXX  did a inquiry on XX/XX/2023 2023

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 2023-09-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
transunion did not provide proof of valid debt for 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: EQUIFAX, INC.
State: WI
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation