BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: IN
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 previously sent a dispute about a fraudulent account on my credit report to Equifax and XXXX XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Account information incorrect

Complaint:
I am looking at XXXX and this company is in clear violation. The loan balance for all 3 bureaus are showing inaccurate information and incorrect balances. I need this to be validated. Please send me the person you spoke to from the XXXX  and I don't want copies of no documents. I am requesting original documents which I am entitle to. Please remove this inaccurate information until you can show factual and valid information. I am enclosing proof from all different bureaus.

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: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to contact FedLoan multiple times in the last month to receive a refund of student loan payments I made during the COVID Forbearance while I was also qualified for the PSLF program. I had received no response from FedLoan or any status updates beyond a confirmation of receipt of the email. This is unacceptably slow response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Affirm Holdings, Inc
State: CO
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, this creditor, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus

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 2023-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2022-06-06
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of USA residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired. 

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??

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 2022-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
CHASE can delete the whole online account and not just the credit card ending in XXXX. And not mail all statements but just the statements with remaining balances ). 
Overall Chase system is full of glitches, with its representatives having difficulty comprehending ( unless I'm not conveying well ) and I'd rather be done with this. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-03-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.

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 2022-04-24
Company: EQUIFAX, INC.
State: UT
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:
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. 

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 connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXXl XXXX XXXX XXXX were paid the whole amount from the insurance company, they stated that the business did not pay them the money from the insurance company, Proficio financial services claimed the business I was managing kept the money that the insurance company paid. 
XXXX XXXX XXXX XXXX were paid the amount of {$3800.00}. 
This is not my personal debt, I never have an agreement or legal contractual arrangement with XXXX XXXX XXXX XXXX 
the insurance company approved {$3800.00}. and the business paid {$3800.00} to XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
all 3 XXXX Equifax and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. Fico score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXX financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I spoke with Prestige Finance in regards to my XXXX  XXXX XXXX at XXXX central time. I called to get clarification on the finance charge and its disclosure. I spoke with XXXX he said he was the advice collection president. When asking him to explain the finance charge to me he tells me that my down payment comes from this charge and also that the dealer is paid from the Finance charge. Which it also states in the contract also. But according to 15 USC 1605 The finance charge should be the sum of ALL charges. It also states it should not include fees or an amount imposed by third party. It also states that the interest should be included in the finance charge. If the finance charge is supposed to be the sum of everything home come it is considered as interest ONLY? 16 CFR XXXX XXXX XXXX due to the consumer when the consumer incur a finance charge. This is considered fraud and also a violation under the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: UT
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:
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.

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 connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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. 

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 2021-08-03
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
called me harassed me threatened me. said I owe money for an account not mine. I never held a personal account with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NC
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 NUMEROUS 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 items listed below : XXXX XXXX XXXX XXXX, NC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: BARCLAYS BANK DELAWARE
State: CO
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, this creditor, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-11-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX XXXX XXXX XXXX unauthorized/unverifiable hard inquiry ) XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX Account # XXXX. 
XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This company allowed someone to add themself to my account online, order a card, use the card for XXXX  XXXX, and have the payments deducted from my business account. When it was discovered, they closed the card and transferred the balance to my card. On XX/XX/2022, they sent me a " Fraud Investigation Form ''. I filled it our and returned it. On XX/XX/2022, they sent me another letter stating that on XX/XX/2022, they initiated an investigation and denied it on XX/XX/2022 because They say " I authorized, participated in, or benefited from the purchase '' ; and that additionally on XX/XX/2022 they sent me a letter IN ERROR advising my claim was provisionally approved. 
I have sent them a response letter stating that 1 ) I never applied for nor authorized another user or card on my account. No one ever called me to verify or alert me, they simply issued the card and, 2 ) these charges were all for personal plastic / cosmetic surgeries/ treatments that were performed on someone else, not me, that did not live with me and therefore did not benefit me in any way. 
To my knowledge, it is illegal to apply for a credit card in someone else 's name. I should not be held responsible for the lack of due diligence by this bank confirming that I was adding an authorized user and card on my account. I have already suffered enough with this considering {$400.00} - {$500.00} a month was coming directly out of my business through ACH for a very long time before it was discovered.

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: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received anything about this. Called company got rude person told me would be going jail if I didnt pay this bill. Called the orignal company advised me the account was in dispute under fraud not sure why they received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
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 XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation