BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
What about 2 years ago I noticed that it came back up on my credit report so I went through the steps of having it disputed the last time it just kind of disappeared I didn't hear anything from the company and then last year under a new name they reached out to me saying that I owe this money and I told them it was paid in full when I received my income tax a few years ago she could not find the information at that time asked for my payment history and I never received it so I started another dispute on XXXX this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
Company did not do in properly investigation. Keep responding back saying verified with no supporting documents on how they come to that decision. So I included attachments that's supporting the inaccurate accounts.

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 2023-01-30
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I made a payment of {$240.00} which has been debited from my bank account. 
This payment has not been applied as of today, XX/XX/XXXX I have made numerous calls to XXXX only to be told to check back in a few days I made an extra payment for the same amount on XX/XX/XXXX which has been applied but the payment that was debited on XXXX still has not been applied. 

I have also mailed a letter to XXXX XXXX on XX/XX/XXXX but still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: LA
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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-01-30
Company: EQUIFAX, INC.
State: TX
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 Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$26000.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Problem with personal statement of dispute

Complaint:
I sent a letter to Experian to file a dispute on my credit report and I'm not happy with the investigation results because the negative informations on the report are still remained even though there is no proof that I opened these accounts. 

The following accounts are opened as a result of fraud and I'd like Experian to remove these accounts off my credit report : XXXX. XXXX XXXX XXXX. XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, Experian, and XXXX has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the 3 bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these un authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. 

I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated.

15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.

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 2023-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX  30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX BEST BUY/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: WI
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:
Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXXXXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( XXXX ) XXXX XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( XXXX XXXX XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal 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
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo always submitted my online bill pay before the date I requested causing overdraft fees and late charges to the companies I was suppose to pay.

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 2023-02-26
Company: Sequium Asset Solutions, LLC
State: OH
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. 

Sequim Asset Solutions, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with Capital One. After sending in my Police Report and other affadavits to XXXX XXXX, XXXX and XXXX and has now put this Creditor on, as Charged off as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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 Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2023-10-24
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phones calls are frequently being made around the same time every day, usually during inopportune times. The phone numbers always change, so no matter how many times I block the number, they continue to call me from different lines. No messages are left. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-06-07
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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