BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I purchased a vehicle from an car company ( XXXX XXXX ) and I already had a pre-approval from my bank XXXX XXXX XXXX XXXX. They expressed to me that they could get me a better interest rate, with another bank that they have partnered with, and that it would not be a hard inquiry on my credit, but a soft inquiry. 

They expressed that it would be a pre-approval so that there would be no hard inquiry on my credit report. As I checked my report, I've seen MULTIPLE inquiries from auto lending banks and this company did NOT have my permission to do so.

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 Following hard inquiries that should be deleted and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-19
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-21
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I purchased a vehicle from an car company XXXX XXXX XXXXXXXX ) and I already had a pre-approval from my bank XXXX XXXX XXXX XXXX. They expressed to me that they could get me a better interest rate, with another bank that they have partnered with, and that it would not be a hard inquiry on my credit, but a soft inquiry. 

They expressed that it would be a pre-approval so that there would be no hard inquiry on my credit report. As I checked my report, I've seen MULTIPLE inquiries from auto lending banks and this company did NOT have my permission to do so.

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 Following hard inquiries that should be deleted and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-21
Company: Experian Information Solutions 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 XXXX XXXX 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Avant Holding Company, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2021 and account was opened under my name and reported to all three credit bureaus i have never opened and account with XXXX avant i contacted the company and was told that they know that it was fraudently opened but that i needed to fill out and affidavit and file a police report and i completed both and filed them with the company but to this point the account is still being reported to all 3 bureaus and has not been removed Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: American Collections Enterprise, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS ENT claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS ENT shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS ENT can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS ENT shall send me an original statement affirming that AMERICAN COLLECTIONS ENT did not sell the original instrument because if AMERICAN COLLECTIONS ENT didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS ENT should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS ENT produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS ENT. Also please produce the trilateral contract between me ( consumer )XXXX XXXX XXXX XXXX  and AMERICAN COLLECTIONS ENT that shows I agreed to do business with AMERICAN COLLECTIONS ENT along with XXXX XXXX XXXXS or on behalf of XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

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 2022-11-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX XXXX Chair with Cushions and XXXX Dining Table that was shipped on XX/XX/21. Both items were returned for a subtotal of {$850.00}, and this should of been applied to my Wayfair Credit Card ( documentation attached ). However, I do not believe I was credited on my credit card, and continue to pay to date. I have attempted to research this information online and by phone with the customer service representatives.

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 2019-06-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's two accounts with this company. 
{$140.00} XX/XX/2018 {$220.00} XX/XX/2018 I have written them a letter with about the account with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Advantage Financial Services of Covington, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Advantage Financial Services XXXX, XXXX gave me a line of credit. Now, whenever I get behind on the loan amount of XXXX a month which at the moment I owe XXXX they call me multiple times a day, leaving voicemails that say nothing, and have even called my wife. She is not on loan at all, not even as an emergency contact or second point of contact which means this company looked up her information and contacted her giving details of my loan out to a XXXX party without my consent or knowledge.

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 2022-06-21
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:
In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX  Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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 2022-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i was reviewing my credit report on XXXX and noticed that my personal address is wrong. According to XXXX it states that i lived at XXXX XXXX in New York totally wrong and on experian is states that i lived at XXXX XXXX XXXX XXXX XXXX wrong again my only true address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-21
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, 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 an account without my written instructions. 

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location.

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: MD
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:
please check the following accounts on my credit report, they are not mine, they are without any authorization Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Aldous & Associates, PLLC
State: CT
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:
on XX/XX/21 Aldous & Associates P.L.L.C. Collection agency add a derogatory mark in my XXXX credit report per XXXX XXXX, upon further research this account was transferred sold and I no longer responsible for this account debitor creditor did not verify this collection also, there was no written terms of communication, contract or signature for this accused debt at all.a bill with out signature does not validate this debt and anybody can send a bill and say is mines. According to the FCRA fair credit act, aldous collection agency has violated my rights as a Cosumer and Im requesting legal action to remove this account immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For some reason or another this XXXX has left me in a very disrespected and confused position. They removed normal access items from my dashboard ; I can not request a credit limit increase, I can not adjust account notifications, I have not once in almost 2 years received any type of limit increase. This is very frustrating as it is amongst my only credit cards with a fee, it is the XXXX longest tenured, and by far my lowest available limit. For example, these are my limits with my other credit accounts ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a few business accounts as well. Every account I own is in great standing, great payment history, and always paid in full. They have refused to respect and acknowledge me as a high value, high credit score, and high income consumer but rather the exact opposite. I've reached out several times to receive transparent communication to what seems to hold the growth of my account back only to hear responses like, '' I'm sorry, you should be eligible '', " Your account history is incredible '', and much more. If I'm not wanted as a customer, then don't approve me, but don't hinder my financial growth and scores because of whatever system bias is in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX DEPT ED Account # 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 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