BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: AL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX 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 2022-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
So I sent a letter off on XX/XX/XXXX and XXXXXXXX XXXX  here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy. 
Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.

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 2022-12-08
Company: EQUIFAX, INC.
State: AL
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 Reporting Act. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 explanation
Consumer complaint received 2022-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called Transunion and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if XXXX  purchased XXXX. They sent an update yesterday.

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 2022-12-08
Company: STATE EMPLOYEES CREDIT UNION
State: MD
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 State Employees Credit Union has violated my rights regarding credit card account ending in XXXX. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-08
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Summary : - Crimes Committed by Scammers : Extortion, Impersonating cop, XXXX XXXX. 
- On XX/XX/22 at XXXX XXXX I received phone calls from people who were impersonating XXXX and XXXX. They threatened to arrest me for money laundering unless I paid them money. I was extorted for a total of {$17000.00} They spoofed their phone numbers to be part of the NYPD and ice.gov ( XXXX, XXXX ) and accused me of money laundering with an account associated with XXXX XXXX  in Minnesota. I initially hung up on the person claiming to be from XXXX but hXXXX instantly called me back and aggressively asked me why saying it was an urgent matter. Immediately right after, someone from the XXXX called me about the same issue, and that's when I started to doubt and worry about my situation. 

They said they would issue an arrest warrant if I didnt comply with their investigation and send them money ( a bond amount ). They constantly switched between calls. 
The person claiming to be from XXXX stated his name was XXXX XXXX. He made me read forms on ice.gov and said I could not tell anyone about the investigation. 

They sent various emails from XXXX to prove the legitimacy of their claims. They made me screen share my bank transactions on my phone, send them a picture of my driver 's license ( front only ), asked for people to refer to, and send them money through various mobile apps ( XXXX, XXXX Zelle, XXXX XXXX XXXXXXXX Zelle ) and through a wire transfer from XXXX XXXX XXXX. 

I sent them : {$9500.00} via wire transfer from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} from XXXX {$2000.00} from XXXX Zelle {$2500.00} from XXXX XXXX  XXXX Zelle {$950.00} froXXXX XXXX XXXX XXXX Zelle XXXX, in total, I sent : {$17000.00} on XX/XX/22 After my payments, he sent an email with a photo of a check, saying it was a refund for the bond and XXXX fees. 
I asked if we were done and If I was safe from jail. He said I was innocent. He told me what I need to do now that I was clear. No social media, no telling anyone for 24 hours. They told me to update them on what I am doing every hour. Unless I was sleeping, then I need to say I am sleeping. He said the next day the cops will come and look at my documents. 

I already filed claims to all platforms from which I sent money. XXXX was able to refund me, but XXXX Zelle denied my claim, so I wont be receiving my {$2000.00} back. As foXXXX XXXX XXXX XXXX XXXX Zelle and Wire transfer claims, they are still being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: V and H Portfolio
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I received my credit report from Equifax and the items that was suppose to have been deleted, reappeared back on my credit report. I have sent out dispute letters to have the items and inquiries removed again, but they did not remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
As of today, XX/XX/2022, my private student loan with Navient is past due. The due date was XX/XX/2022. Navient has been calling me incessantly about this while I am at work. I am unable to take outside calls at my job. It's sufficient for them to call one and leave a message for me to return instead of harassing me throughout my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: MD
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:
On  XXXX / XXXX /  XXXX  , I called  XXXX   XXXX  to install internet at a second house. I have  XXXX   XXXX  at my current house for 2 years with perfect payment history. I explained to the  XXXX  rep I did not want an inquiry on my credit report for this second account, referencing my perfect history as a current customer. The rep stated it was not necessary to make a credit inquiry and  XXXX  would NOT make an inquiry on my credit if I could correctly answer  XXXX  questions to verify my identity. I answered the  XXXX  questions correctly. During the recorded call I asked the  XXXX  rep repeatedly about inquiring my credit report and was advised repeatedly no inquiry would be made by  XXXX  on my credit report. Subsequently, I received a notification from  XXXX   XXXX  made an inquiry on my credit. I called  XXXX  and made a complaint to a  XXXX   XXXX ,  XXXX   XXXX . She stated she was looking into the matter and the call was recorded and she would review it. A month has gone by and  XXXX  has failed to resolve the situation. I am drafting this complaint on  XXXX   XXXX , a federally regulated communications provider for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : 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 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CCF Intermediate Holdings LLC
State: OH
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 collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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: Old information reappears or never goes away

Complaint:
I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.

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 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: MI
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:
Credit report agency is reporting inaccurate false information.

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