BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
At this time XXXXXXXX XXXX XXXX XXXXXXXX has been issued an invoice in regards to the punitive damages of injury caused by their agents ' negligence after performing an action ( willingly and intentionally ) carelessly violating my consumer rights protected by federal law. 15 US Code 6803 clearly states " b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. '' Experian is a nonaffiliated third party. After OPTING OUT of a credit Authorization which again is NOT needed for consumer credit transaction, and when FAIRWAY is only trying to charge me for a security ( application ). FAIRWAY has not provided documentary evidence in where obtaining my private information and Credit score " is required.. nonetheless, pursuant to 12 U.S Code sec 83 " ( a ) General prohibition- No national bank shall make any loan or discount on the security of the shares of its own capital stock. '' Thus running my credit for a " bank loan '' is obsolete and nonexistent. FAIRWAY now has a civil liability and obligation due to me. I am requesting to continue the purchase of my mortgage contract. not to be resold to me and charged twice. I am entering into a consumer credit transaction. XXXXXXXX XXXX XXXXXXXX have not been acknowledge yet All agents are willingly and intentionally being neglectful with remedying this affair. I will not hesitate to recover these consumer injuries to a federal court of law, while also subpoenaing any records pertaining to the opening of a credit accounts also any ledgers showing " double dipping " of my XXXX XXXX XXXX funds/credits. An application has already been submitted, credits have been requested upon application

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 2022-01-11
Company: V and H Portfolio
State: TX
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 sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my credit card was closed without any notice or any letter to explain the reason why from Citibank. My account was then sent to collection on XX/XX/XXXX. I have no outstanding due, have regularly paid my monthly balance in full since opening the account in mid XXXX. I contacted Citi and was sent directly to Collection to discuss payment which I paid on the next day even though there was not any outstanding balance past due. I was being told that is how Citibank business policy every time Citibank receives letter from debt collection agency. I have never worked with any debt collection agencies in my entire life. My credit score is perfect. I have reported alerts to the three credit agencies to protect my credits. I also have reported to a local police department for identity theft.

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 2022-05-03
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: Their investigation did not fix an error on your report

Complaint:
Comfirmation Number # XXXX I will like for your company to send me documentary evidence on the people your company did interviews on send to the above address. 

Pursuant to the FCRA Fair Credit Reporting Act 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to Experian disputing this Account with ( XXXX XXXXXXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to Experian and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against Experian credit bureaus and ( XXXX XXXXXXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2021-07-22
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity theft. The first initial identity theft happened back in XXXX of XXXX. I have filed multiple police reports first one will be XX/XX/XXXX, and XXXX of XXXX. I have not authorized any account to be open. I have took all necessary steps including placing a freeze on my credit file so that my credit file can not be open without my permission.

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 2017-06-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.

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 2019-07-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked Midland funding LLC to provide me a validation letter proving that I owe them any amount of money they have not sent me a sign contract showing I agreed to pay them remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: AL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-07-19
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Billing dispute for services

Complaint:
Charged for a credit monitoring service I never signed up for by Transunion.

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 monetary relief
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on Experian and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

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 2022-05-03
Company: The CMI Group, 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:
Credit Management LP with Account # XXXX is showing on my XXXX and XXXX Reports, yet I have never had an account with this company. I contacted them yesterday as well as today and they stated they couldn't find an account with my information. I asked them to remove the erroneous information, but they stated there was nothing they could do. I requested a supervisor and they stated no one was available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that 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 XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX ) ( XXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT 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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 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 XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that 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 2022-05-03
Company: Experian Information Solutions Inc.
State: MS
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 XXXX ) ( XXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT 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