BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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:
For the past XXXX  years, Experian or XXXX have not reported my mortgage with XXXX XXXX on my credit report. It has harmed me greatly. I have sent proof of my mortgage account and requested XXXX XXXX to intervene without results and with getting the same standard letter from XXXX XXXX, that the mortgage is being reported accurately to all XXXX bureaus. XXXX XXXX states that in their last attempt that they were able to get XXXX to add the account, but Experian refused. If this report of no real estate is inaccurate and severely hampering my living standards, why is this ignored?

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 2022-12-18
Company: Experian Information Solutions Inc.
State: VA
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:
1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681.

2 ). Experian is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed.

3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Experian written permission to furnish these accounts. 

Accounts : A ). XXXX XXXX XXXX XXXXXXXX B ). XXXX XXXX OF XXXX : XXXX C ). XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 Amerisave Mortgage 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 XXXXXX/XX/XXXX, violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: VA
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:
1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed.

3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Account name : XXXX XXXX XXXX XXXX XXXX I tried to dispute this collection account 4 times with Transunion and XXXX agency without any result. This companys and collection agency has violating my consumer rights and also violates federal laws 15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate I send screen shot from my credit report and on Collection account appears as XXXX XXXX XXXX as creditor, when the right creditor name is XXXX XXXX XXXX information is not accurate and they update creditors name, that is the first violation. Also, i reques to the collection agency a copy of they permit authorization to collect any debt in XXXX Kentucky, they never respond to my as laws requieres within 30 day, this request was sent to them a year ago, and XXXX says they answer to them as that collection belongs to my and the information is accurate when is not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: OH
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 on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

accounts to delete immediately : 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 explanation
Consumer complaint received 2023-04-19
Company: AmeriCash Holding LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Americash Loans is charging an excessive amount of interest on small payday loans that prey on lower class and middle class families that think they can pay the loan back within 90 days and when something happens that the consumer is unable to pay the loan back within 90 days, they profit by adding an additional XXXX onto of an loan that I only took out for {$1000.00} I dont mind paying back what I owe but these companies needs to be looked into further and shouldnt be operating a business that takes from hard working American citizens. They been taking out {$100.00} every since I took out the loan so thats {$200.00} per month meaning if they continue to take out this money I didnt profit anything from it accept for debt and high a interest rate meaning they profited from off me. Technically this loan is paid back over an 6 month period so why do the government still allow this predatory lending especially since XXXX  XXXX XXXX Was Fines For Predatory Lending Decades Ago. Im all about fairness and if I borrow money, I dont mind paying what I owed. Please investigate these predatory companies as I will move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One - authorized user- account opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are address that are not correct also addresses I've never been associated with.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
An inqiry was made by XXXX XXXX XXXX XXXX on my Trans Union credit report on XXXXXXXX XXXX XXXX. I never authorized this inquiry.

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 2022-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in dispute with Santander over an alleged fraudulent " debt ' and unvalidated contract for over a year. The account was charged off and yet the balance has been reporting on my credit report without my written consent. On XX/XX/22, I sent a money order remittance coupon via certified mail in the amount of {$14000.00} to be accepted for value, quoting 12 USC 411, 18 USC 8, HJR 192, UCC 3-104 and UCC 3-603 as the basis for payment choice. Along with the payment, I sent a notarized letter explaining my method of payment and instructions on how to apply it. I received no response or update to my account. On XX/XX/22, I sent a live notarized HANDWRITTEN letter, via certified mail, further disputing the current amount " owed '', along with a live notarized affidavit Notice Of Billing Error pursuant to 12 CFR 1026.13 and exhibits displaying the current payoff quote had not reflected my payment. I received no response. On XX/XX/22, I sent the CEO, XXXX XXXX Department, and Legal Department at Santander Consumer USA XXXX XXXX, ( the parent company to all of the Santander subsidiaries ) the official live Certificate of Non-Response Notice To Cure, as authenticated by the Secretary of State of Texas. I also sent copies of my previous mailings and letter requesting my account be updated immediately to avoid further legal proceedings. Every document sent throughout the process has been live, stamped and autographed. As the consumer, lien holder, authorized representative and beneficiary of the social security account used to open this fraudulent debt, I'm outraged at the blatant dishonor that Santander Consumer USA Holdings Inc and all of its daughter companies have displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$330.00} ; 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 2023-04-09
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:
My name is XXXX XXXX. An account with XXXX XXXX  was opened in my name for an amount of {$6000.00} on XX/XX/2022. I have no knowledge of this account and did not authorize it. I believe I was a victim of identity theft and I need the account and its late payments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited cash of {$5900.00} on XX/XX/23 and the money has not reflected on my account for over XXXX months. When I ask the bank customer service and bank branch they say they are not able locate the funds and gave me no reason to where my money went. I have tried them many times and have received to positive response. The money was deposited the financial institution that Bank of America at Address : XXXX XXXX XXXX XXXX, XXXX, TX 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 monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
I submitted some inaccuracies to all 3 bureau 's and XXXX and XXXX deleted the item but not TransUnion because they said the account was able to be verified. However I see that there is an inaccuracies with the account by calling XXXX XXXX XXXX they won't give me any information regarding this account because they say the names does match. Please help Original creditor:XXXX XXXXXXXX Amount owed {$160.00} Account # XXXX Creditor : XXXX XXXX XXXX I have attached some screenshots of credit report from XXXX and from TransUnion In accordance with the Fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 U. S. C 1681 Section 602 A. States that 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 2022-12-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation