BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
i have sent letter continual letter to the experian credit bureau and i havent got no response regarding the late payment either by mail or credit app i have sent letter back in 2021

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 2023-03-08
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 explanation
Consumer complaint received 2022-08-21
Company: ALLIANT CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove! 

Alliant Credit Union did not respond properly to the Affidavit that I sent, I also asked Alliant Credit Union to validate the alledged debt pursuant to XXXX XXXX XXXX. 

Alliant Credit Has not responded to the multiple requests and Now I am requesting remedy Pursuant to 15 USC 1640

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There is a verified account with XXXX followers on XXXX  called XXXX XXXX and had good reviews about buying a XXXX. My boyfriend wanted one really bad so I messaged them for more information about it. After discussing information they gave me their Zelle to send {$550.00} to. After it was sent they stated I will get a confirmation number at 3 that day. It now becomes 6 and I keep messaging them to get no response. And now Im blocked. I call XXXX and they stated to contact zelle. Zelle tells me to contact chase. XXXX then says we cant do anything about it. Sorry for your loss. I have the messages and everything about the XXXX and name of the person and phone number but nothing they can do??? This all occurred XX/XX/XXXX. Would love if we could upload photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX,, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX,, has violated my rights. 

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

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

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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  Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For the third time within the last few weeks, Citibank used fraud protection as a reason to prevent me from using my card to make purchases well within my established credit limit. 
This last time on XX/XX/2022, we had even notified Citibank that we were traveling so they would be aware. This even shows up in the app that we are on this trip. 

In all 3 cases, it took several phone calls to clear the fraud alert. The app asked if it was us, but didnt believe us, telling us we needed to call. 

Citibank is using extreme fraud protection as an excuse to prevent me from buying things at a destination store. Previously, Citibank prevented us from booking travel. 

In both situations, we simply used our Amex to complete the transactions. However, we missed out on additional points that we should have been able to earn.

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 2022-06-06
Company: Spring Oaks Capital, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spring Oaks Capital , LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Experian Information Solutions 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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Collection XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX 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 2022-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent Account 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 has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C 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 2022-06-23
Company: Experian Information Solutions 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 account name 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 : its 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Collection : 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 XXXXXXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX  XXXX Collections : XXXX XXXX XXXX  XXXX Delete this account. 
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 non-monetary relief
Consumer complaint received 2022-06-22
Company: Nelnet, 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: Account information incorrect

Complaint:
I am writing this complaint because on XX/XX/XXXX, I had a late payment from a private student loan company called Firstmark Services XXXX recoded on my credit report. As a result, my XXXX credit score decreased from XXXX to XXXX and my XXXX credit score decreased from XXXX to XXXX. My loan in total was {$2500.00} with {$50.00} monthly payments. Today I have a balance of {$1800.00}. This loan was initially set up in XXXX with XXXX XXXX XXXX and XXXX XXXX sold my loan to Firstmark Services where my first payment was made in XXXX of XXXX. I have never had a late payment recoded until now. I am fully confident that this late payment is an error on my lenders part. 

To begin, I had set up auto-pay roughly the first week of XX/XX/XXXX for the purpose of worry-free timely payments. I thought everything was set up correctly but according to their system records, autopay was not set up and was not confirmed. As a result, my XX/XX/XXXX payment went 44 days late and my credit was affected ( and almost missed my XX/XX/XXXX payment ). They stated they gave me multiple phone calls ; however, I did state my phone blocks out spam XXXX XXXX XXXX XXXX XXXX XXXX 

My attempt to resolve this was a two-and-a-half-hour phone call around XXXX XXXX XXXX with Firstmark Services which included a financial rep and 4 different supervisors. Unfortunately, I was told by the rep each supervisor that the lateness was reported correctly. I feel stuck and the conversation came to a point where I asked for leniency since this was my first reported late payment given to the creditors. At that point, I realized that I would take need to take personal responsibility in order to get the lateness removed from my credit. I reached out to credit experts, friends and family which lead me to reaching out to you. 

I have never had a late payment recoded on my credit report and I am saddened to have seen this happen. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX iXXXX XXXXXXXX and have been working on keeping my credit in excellent standing. I plan to work diligently with you to get this lateness removed from my credit report in any way possible. I have future financial goals that I would like to continue to work towards. 

My Firstmark Services Phone Number : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Avant Holding Company, Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Yesterday I received an email stating to check on my account with Avant. I was from XXXX and XXXX. 

Ive never done business with this company and it looks like their phishing to gather information from a ton of people. Hundreds of not thousands of people online reported the same email yesterday as well. Their customer service hung up on us twice and we waited about an hour each time. I think there might have been a data breach somewhere. Can you please look into this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: TX
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:
During COVID-19, all other credit card companies and banks put an immediate plan in place to assist their customers. CitiBank did NOT! They still haven't over a month and a half later. They aren't waiving fees, skipping payments, or assisting in any way. Have called them ( waiting on hold for over 2 hours and then their system kicks you ), have emailed, have XXXX messaged and posted, etc. They have scripted messages to everyone and no solution. They are protecting themselves and giving no assistance in any way to their customers. All other CC companies have assist us, not CitiBank. They should have gone bankrupt in 2008, but got bailed out by us. They should remember that and assist us in this time of need.

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 2022-06-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally Financial isn't corresponding with any requests that were mailed to them. Payments mailed to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail weren't applied to my account. I have mailed them certified letters as well with no response. They are in violation of Title 18 USC 1951

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 2022-06-22
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
equifax credit agancy has violated my rights 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written consent. 
15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this agency has allowed information to publicly furnish against the law in which is defamation to my character please uphold the law and have them remove these items thank you XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
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:
XXXX XXXX dealership was NOT authorized to run my credit, I have the letter from them stating it was their mistake, I have sent several letters to Experian showing them this, I have several letters to the companies/banks on the hard inquiries yet no one will take them off even with letters showing they were in the wrong. Experian should be helping me take them off as I have significant proof.

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 2023-08-04
Company: Experian Information Solutions 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:
Hello. I'm reporting that. Experian, XXXX, XXXX, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the ILLINOIS NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report. 
This is not true I have a letter from the ILLINOIS NORTHERN BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this. 

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF ILLINOIS verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.

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