BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: National Credit Adjusters, LLC
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: 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.

In a 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 nor open end consumer ate focredit plan as lr any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
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 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 : 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 explanation
Consumer complaint received 2022-12-27
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To start things off, I had no issues with Seedfi in the beginning. Great company and great staff. I have been on their grow plan which means I was paid a small loan while the rest of my payments were put in saving accounts which was to build credit. On XX/XX/XXXX, without any warning, they announced they sold their company and transferred all of our payments and savings to a different company called XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This new company comes off very unprofessional and shady, the review on XXXX is XXXX star even, and has been sending people back to Seedfi for answers while Seedfi sends us all back to XXXX to get the same answers. My locked savings that I can't even get now because of the back and forth between these two companies is worth more than what I owe. I want nothing to do with the new company that we were all sold off to without warning. They also have introduced late fees and more that weren't even part of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 4 payments from savings to a moving company that lied, they stole from us and broke many of our other things. ( over XXXX in stolen and damaged goods on top of the over XXXX we payed to get things back because they upped the prices after having our things, we were quoted under XXXX ) We are pursuing the XXXX but were also instructed by a law branch to reach out as they did not render services as promised and we should not be held accountable for the payments. Two of them came from savings withdrew directly from the account, the other two were sent from the bank through XXXX that was offered from the bank application. Upon reaching out they decided not to pursue helping and just closed the complaints. 
The claims were filed XX/XX/22 Transaction dates and amounts : XX/XX/22 to XXXX XXXX XXXX ( known as A-on-Time and now " closed '' ) {$1300.00} same group on XX/XX/22 {$880.00} Through XXXX to ( Flash boys moving ) XX/XX/22 {$480.00} XX/XX/22 {$1000.00} There was also cash given due to the company lying and making changes how I can pay after having my items loaded on the truck. I am aware I can not prove the cash was withdrawn to pay the movers ( despite it being withdrew the same day the XXXX was sent ) but I would like to be reimbursed for the amounts that can be proven. The moving company is a scam and services were not rendered. They did not complete their end of the service. The insurance on the paperwork was not able to be utilized because the company closed.

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 2022-09-30
Company: Army and Air Force Exchange Service
State: CO
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2023-03-13
Company: Experian Information Solutions 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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

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 2022-09-30
Company: CITIBANK, N.A.
State: CO
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2022-08-24
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to all the credit card companies on my credit report as well as ncb management services requesting a validation letter of contract. These companies were not obtained by me. These companies refuse to work with me. I have been XXXX from work since XXXX of XXXX. I was never in financial position to take on any credit cards. 
NCB management services want XXXX the account was open XXXX. That is not a company i worked with.XXXX XXXX XXXX XXXX is not a company i work with they instead wrote of the debt imstead of removing the fraudulent account. XXXX XXXX XXXX wrote off majority of the fraudulent account now XXXX dollars owed instead of allowing me to do a fraudulent packet.XXXX XXXX XXXX has a fraudulent balance of XXXX this account is not mines. XXXX  XXXX is a fraudulent account with a balance of XXXX. Last but not least XXXX XXXX opened a fraudulent account with balance of {$360.00}. I have requested documentation of validation constantly from these companies they refuse to send the paperwork. I have tried to handle this with each company they refuse to respond to any legal documentation i sent them. None of these companies have a contract with my physical signature confirming that I accept responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Westlake Services, LLC
State: OR
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:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX All creditors are reporting in accrate information on 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 2022-08-03
Company: Apelles, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I deposited XXXX XXXX  XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with Inquires I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-03-11
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:
Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX5 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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 have asked Experian and XXXX to verify the information being reported to the credit bureaus concerning an account with XXXX XXXX. I have sent them out letters XX/XX/XXXX and i have also send them letters XX/XX/XXXX giving them 10 days to cure the situation. I have sent them copies on my utility bill, social government ID. It is now XX/XX/XXXX and I have not been contacted via phone, mail or any other form of communication and these accounts are unverified and are still being reported and effecting my credit score. I have been more than patient and at this point I am more than frustrated. This is stopping me from starting my business and receiving the proper resources to do so.

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 2022-08-24
Company: EQUIFAX, INC.
State: MA
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:
Equifax has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXXXXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of Equifax 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a payment using the XXXXXXXX XXXX XXXX on XX/XX/2022. I usually do not use this card ( prior payment to that was at least a year ago ). I was not aware that the contact information for the store credit card is different from the XXXX website where you place orders for products. This is complicated by the fact that I no longer check the old email address and also moved to another state and do not receive any paper mail from them. Thus I was not aware that I had a late payment. However, it was not until at least 2 months after the initial payment day that I receive a notification from XXXX XXXX that XXXX noted I had a late payment. From my history, I had a strong credit of XXXX mostly due to paying bills on time or earlier. It wasn't until I noticed that there was a +60-day late payment for the XXXX XXXX. Had I known about this earlier, I would have made the payment earlier or changed my contact information. 
I have already paid off the balance that includes 2 late fees. I called customer service who said they can provide a late fee waiver. However, I still can not see this on my end so I am not sure if they applied it. They do not even have an option to email me proof of this.

Finally, despite using the correct password multiple times, I can not log in to the website to make payments which I have also noticed in the past. The website and many other online users state that there persistently have been issues with logging in and reaching customer service, making it very very difficult to make payments on time. 
As a result of the late payment which is very rare for me, my credit score dropped from mid-700s to high 600s, which is very disappointing given one blip that I was not aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-07
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation