BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
Early Warning Services is reporting a fraudulent bank account on my report and it has caused me to be declined for bank accounts and have my XXXX XXXX XXXX XXXX account frozen. I disputed every negative item from my report and all was removed except for one! An account w/ XXXX XXXX XXXX XXXX The acct # ends in XXXX & the consumer ID is XXXX. After getting that information from them, I contacted XXXX who has no record of this account. This account reports as checking account fraud and I have clearly communicated that I was a victim of identity theft and it still isnt removed. I walked into the bank to receive my own money & was treated like a criminal because of the information that XXXX  is reporting.

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

Complaint:
there are 5 inquries on my transunion report in which i have no knowledge about. i did not authorize these and they are refusing to remove them even though they acknowledged that they are fraudulent. please remove XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 I KNOW FOR A FACT THAT THESE ARE NOT MY INQUIRIES AS I HAVE NO APPLIED FOR ANY RECENT CREDIT PLEASE REMOVE ALL THESE INQUIRIES AS IT IS EFFECTING MY PERSONAL SCORE AND THE DETERMINATION OF IF I WOULD LIKE TO GET CREDIT ONE DAY.

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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act 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 a 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS. 

This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true! 

AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX HAS NO RIGHT TO SHARE MY NON PUBLIC PERSONAL INFORMATION, THEY NEVER GAVE ME AN OPTION NOR DISCLOSE TO OPT OUT. EXPERIAN BEING A THRID PARTY AFFILIATE, HAS NOT AS REQUIRED UNDER FEDERAL LAW. 
PURSUANT TO 12 CFR 1016.4 Initial privacy notice to consumers required. 

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 

XXXX HAS NEVER DISCLOSED ANY OF THIS 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
U.S Bank is refusing to give me my money back even though XXXX admitted that there are unauthorized charges on my account. I am blocked and can not access my own XXXX account because of the unauthorized charges totaling {$13000.00}. They have also used the excuse that I should have reported the fraud within 60 days, otherwise, they could have helped me, but they did provide me {$5300.00} in credits from XXXX, even though those fraudulent charges happened way longer than 60 days ago as well so their excuses are not valid. I no longer feel safe banking with them and if I do not get my money back, I will be switching banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On several occasions i have contacted equifax about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with equifax and the other 2 bureau ( XXXX and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at equifax is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and equifax is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is XXXX  the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my equifax score was XXXX the day XXXX and no more negitive accounts were added

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX Attention : Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX  Made on : XXXX Made with : Experian Made by : XXXX XXXX  Made on : XXXX Made with : Experian Made by : US Sm Business ODA Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXXXXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are several inquiries on my credit report that I have not done.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account for XXXX XXXX XXXX is committing a blatant violation against me and needs to be removed ASAP immediately. I have attached screen shots proving EXPERIAN is lying about verifying the balance for this alleged debt. The first screen shot shows EXPERIAN reporting a balance of {$3400.00} on XX/XX/2023 and a balance of {$3400.00} on XX/XX/2023. Delete this account for violation because you reported one balance on XX/XX/2023 and a different balance on XX/XX/2023. The balance can not change on a closed account proving no investigation was done and EXPERIAN and XXXX XXXX XXXX  are lying and will be liable for willful non compliance.

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 2022-05-24
Company: DISCOVER BANK
State: WV
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:
Discover accidentally generated a XXXX $ recurring monthly charge to my account. By the time they caught up to it, XXXX $!? I kept phoning in and finally got it fixed. Recently somebody went behind me and RE OPENED the issue referring it to collections and destroying my credit score. My credit should be clear. I was hoping I could get some assistance or a referral to someone who can fix this problem once and for all. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, AND EQUIFAX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. 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. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In early 2020 I had fallen behind on my payments on my Chrysler Capital/Santandar Consumer USA loan . I contacted them but was advised by the company that I had, in fact, been covered in a settlement with the Indiana Attorney General amongst others in a Class-Action Lawsuit in Federal Court . As I had stopped getting bills in the mail and was advised I was covered under said lawsuit, I assumed everything was ok. Flash forward to XXXX of 2020 after XXXX, and a few days before XXXX XXXX, and an armed man dressed in what I can only classify as a police impersonator uniform shows up at my house touching an open-carried firearm in a threatening manner and takes my car. I contacted the police, but I was told this was apparently ok for them to do and not even inform local law enforcement as required by Indiana law. Chrysler then proceeded to sell my car without giving me written instructions on where to retrieve it or the amount. Sending me a letter with " call us at '' does not constitute a notice of where to retrieve the vehicle or what is due on it. The only thing with an amount I got was a notice of repossession from Chrysler and the armed tow-truck driver stating an account balance of " {$0.00} '' due on the loan. I tried to get this resolved by calling after this happened, but got tossed around to different people who apparently didn't know anything at Chrysler and could not give me anything in writing. I contacted the Indiana Attorney General, who said they could not take enforcement action on this sort of contract, and Chrysler Capital did " forgive '' the remainder of my loan. They also sent me a payment for the settlement of about {$200.00} per the terms of the settlement. However, the settlement required them to forgive the balance which they and the XXXX stated to me that they did before they turned up in the middle of the night threating me with a XXXX to take my property.

Company response to consumer: Closed with explanation