BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-23
Company: Experian Information Solutions Inc.
State: DE
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  Account # : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried to get my 3 free credit reports. Experian is not recognizing me. When i tried to reset my password and try tocorrect the wrong information they have about me, they sent my password and id to a RANDOM STRANGER at " XXXX '' -- - who is this????? Ive tried 9 different phone numbers to try to talk to a human! No human!! The automated voice does not recognize me or my request. The auto voice doesnt have option for EMERGENCY -you gave my info to a stranger! I cant put a block or freeze because im applying for an appartment tomorrow. Please 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 2022-06-23
Company: Sequium Asset Solutions, LLC
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:
I am a federally protected consumer and a natural living person. I recently made a report in regards to a validation of debt to this company, " SEQUIUM ASSET SOLUTION '' and I now have new information. I am aware that SEQUIUM ASSET SOLUTION, is also violating my rights to privacy by reporting unfair and inaccurate information and not being in accordance with the FCRA as 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I have also never given direct consent to SEQUIUM ASSET SOLUTION to furnish anything to my consumer report so they have no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Reporting company used your report improperly

Complaint:
In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 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 2022-06-06
Company: EQUIFAX, INC.
State: MS
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 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 XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late? 

I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!

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 2022-06-23
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a new Barclays XXXX XXXX credit card which would be be to be activated on XX/XX/2022. 

I closed my XXXX XXXX XXXX credit card on XX/XX/2022. 

I should have NEVER received this new Barclays credit card for use at XXXX XXXX because I closed my old credit card on XX/XX/2022. 

So this new Barclays credit card needs to be cancelled, and Barclays nor XXXX are able to assist in cancelling this credit card. I do not want this line of credit opened as it never should have been issued.

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 2022-06-24
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Greetings on or about XX/XX/XXXX i transfered XXXX from my main bank to XXXX XXXX to chime. XX/XX/XXXX, XX/XX/XXXX, XXXX deposit my benefits XXXX a week into my account i used the XXXX i had deposited for business travel expenses I canceled my reservation and was refund XXXX. XX/XX/XXXX chime closed my account with no valid reason and refused to send my money back to XXXX and to send my refund. I have XXXX issue so its affecting my bills them taking and refusing to send my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Close my checking account without any information why and the opportunity to correct the problem. 
Call center, branch costumer service, and any other personnel that I got in touch with in the phone say the reason why my account was closed is confidential and the company have the right not to disclosed this information with me. 

I have a Bankruptcy file two years ago and after almost the same amount of time they close my account and the letter they send me is informing me different things that my account was closed because a previous closed account with the bank. Either they lying or they don't even know why they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per Section 609 ( a ) ( 1 ) of the Fair Credit reporting act ( FCRA ), You are required by law to verify any and all accounts posted on my credit report, and only report accurate information, I request all verifiable proof you have on file for the following account. If you can not provide evidence justifying the presence of this account on my credit report, You are required to quickly remove them. XXXX XXXX XXXX Opened XXXX last reported XX/XX/2022. I want this to be investigated and if there's no proof of ownership remove it from my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 XXXX 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 2022-06-06
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022 I traded the truck I had financed off and canceled The extended warranty I had on it through XXXX XXXX XXXX ( a sister company of Chrysler Capital according to a representative through XXXX ). XXXX XXXX XXXX was instructed to issue the refund to me via check since the vehicle was being paid off by the dealership that I traded at they issued the payment to Chrysler Capital causing an overpayment on my account of almost {$1800.00} ( USD ). I have contacted yo get Chrysler Capital to get the funds released and was told I would have to wait 30-45 days for the payment to clear ( I was told by a rep for XXXX XXXX XXXX that they, Chrysler Capital should know if the funds are available since it is the same company ). I would like an immediate refund for the overpayment to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/XXXX I disputed a collection account XXXX XXXX XXXX, on my Equifax online stating it was not mine/no knowledge of this account. XX/XX/XXXX I received a response back stating remains/verified *but with no status date. * Which indicates no investigation was done. XX/XX/XXXX Mailed a dispute letter for collection accounts XXXX XXXX XXXX  XXXX. Mailed a redispute for XXXX XXXX XXXX. To this day XX/XX/XXXX still have not received anything well pass 45 days. XX/XX/XXXX Redisputed online about XXXX XXXX XXXX. XX/XX/XXXX Received same response remain/verified but with no status date. Which means no investigation. Called Equifax on XX/XX/XXXX re-disputed XXXX XXXX XXXX with representative. Received the same response by mail with no status date. No investigation. XX/XX/XXXX Mailed re-dispute for XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XX/XX/XXXX Spoke with a representative today explained my situation that no one is investigating they are just sending me information or nothing at all, I feel to be quiet. I am only asking for my information on my credit report to be accurate. She began to tell me she couldnt delete my information. I explained to her I know my rights if there is any inaccurate or incomplete information on my report then it has to be deleted. I politely ended the call when she kept reminding me what she couldnt do. Which is the same thing I been complaining about them not doing a proper investigation. So now Im filing a complaint with you to hopefully assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Island Finance Puerto Rico
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 4 unauthorized inquiries in my credit report. 
1- Island Finance LLC XXXX hard inquiry someone applies for a loan over the phone XXXX XXXX  XXXX hard inquiry someone trying to get a credit card XXXX XXXX someone trying to finance online XXXX XXXX someone trying to apply for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Account information incorrect

Complaint:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers 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 2022-06-23
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:
Referencing back to Complaint:XXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and XXXXXXXX XXXX of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. EXPERIAN has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX2022 in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX BANK AND XXXXXXXX XXXX  XXXX I demand for EXPERIAN to comply block and delete XXXXXXXX XXXX because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/XXXXI sent XXXXXXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/XXXX and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.

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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America took funds from my personal joint savings account for personal, family, household use to cover a credit card from a business account. According to the FCBA this transaction is illegal. I intend to file a federal sue against BOA for these actions.

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