BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MO
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 which is an affiliate of Equifax for commercial credit. However, I called to remove some item that has been fraudulently reporting on the behalf of XXXX XXXX XXXX XXXX. Alot the information has been furnished without permissible purpose & consent. XXXX XXXX apparently has a policy that they're unable to dispute such items which violate the FCRA & my consumer right to dispute. It is an invasion of privacy. 

Regardless of personal, commercial, daddies, uncles, little cousins etc. All Consumer Reporting Agencies must follow Fair Credit Report Act. Federal Law guidelines. Policy does not overrule law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
- 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 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate Equifax XXXX XXXX and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
- 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 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate XXXX Trans Union and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NY
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called them several times to lower my payments back to $ XXXX and was told that they couldn't do anything until XX/XX/2023. Which by that time they would have reported to my credit for 4 months and my co-signer, basically destroying our credit..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
In accordance with the fair credit reporting act XXXX  Account 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 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 an 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 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.

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 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES , LLC has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: American Recovery Service Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I kept receiving emails from ARSI ( American Recovery Services Inc. ), about a debt I have never heard of. The email says I need to pick a payment option. I tried to unsubscribe from the emails, thinking it was a scam, but I kept receiving emails. On XX/XX/2023, I went to their website and disputed the debt, stating that it is not my debt. I have not gotten any response to my dispute, but I keep receiving the same emails. I called the number in the email and left a voicemail explaining the situation, but still got no response to my dispute, and the emails kept coming. I called the number again today, XX/XX/2023, and spoke to someone who would not give me information unless I verified I am the person on the account, by giving her personal information. The research I did on incorrect collections, said not to give them that information because they can use it to create false records of the debt, making it harder to disprove, so I did not give her any information that was not in the email they sent me. 
I have no information about the debt they are claiming, and they have yet to send me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CapitalOne has failed to respond adequately to my Notice Of Dispute laying out 12 specific requests for evidence to verify and validate the alleged debt with account ending XXXX ( of which was received by the CEO, CFO and General Council of CapitalOne on XX/XX/23 per my Certified Mail confirmations ). It clearly stated that " notice is NOT a request for confirmation that you have a copy of an agreement or copies of statements. This is a demand for proof that you have the requisite knowledge of the facts and that the alleged creditor provided adequate consideration and incurred a financial loss under the full & complete original agreement. '' On XX/XX/23, CapitalOne sent me copies of billing statements. AGAIN, not what I asked for. In response, I then sent a notarized Affidavit of Truth to CapitalOne CEO, CFO, Counsel, Attorney General and complaints to OCC and XXXX  on XX/XX/23 ( and now CFPB ). This AOT was received between XXXX per my Certified Mail confirmations. The following laws were violated ( with proof via exhibits ) : 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ), 15 USC 1692g ( a ) ( 5 ) ( b ), 15 USC 1692g ( b ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 2 ) ( b ), 15 USC 1692f ( 1 ), and 15 USC 1692a ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Nelnet, 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:
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 an account without my written instructions.

15 USC 1688B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ally Bank Saving Account promotion Deposit earn one percent bonus up to {$500.00} not received I have contact the bank XX/XX/23 confirmation # XXXX but not call back.

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 2023-02-14
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
Two Verification of debt letters were sent to XXXX. Transition did not investigate or provide me with any verification of debt. 

The amounts are {$1300.00} and {$1500.00} for Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. 
It's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED 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 2023-02-14
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Truist ran an application for a loan and could not finish the process due to systems failure. They said call back later or go into a branch and all forms that were signed will be erased. They left a Hard I quirky on my 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 non-monetary relief