BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: FL
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 writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
I have tried disputing these NEGATIVE ACCOUNTS from my file but the creditor is not responding and they stay on my profile and hurt my credit scores so bad. 

XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Type : credit Card XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Type : Auto Loan XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Account Type : Auto Loan XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Type : Credit Card XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Type : Credit Card

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 2023-06-12
Company: Experian Information Solutions Inc.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-22
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 Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MI
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 appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00}, XXXX  XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I sent in my Right to Recission letter and I hand delivered it to them and everything they never got back with me Because they signed me up for a vehicle that was XXXX but all together the car came up to XXXX with payments of XXXX per month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting 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 is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-04
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: Information belongs to someone else

Complaint:
This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX  This does not belong to me and i.dont recognize it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was given a personal line of credit with CashNetUSA. I was short on funds and my car needed work so I took out {$300.00} to pay for it. I clicked on what I wanted to borrow and that was it. No other information was given. No payment schedule of what my payment would be no amount of payment was given and no date. XXXX info. The money loaded in my account and a few days later not even a full month I got notice to pay {$170.00}. I was like this can not be correct. I called and after being called a liar they would not help me, nothing could be done. The rate and payment amount should be given to the customer. They give nothing. I would be happy to show you exactly how this website works. Its such a scam. This company is praying on the unfortunate and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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:
The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!

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 2023-09-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from XXXX XXXX XXXX ( XXXX XXXX ) When I found out XXXX XXXX XXXX was closing I returned vehicle to dealer the vehicle was leased from. XXXX XXXX XXXX took possession of vehicle. XXXX XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not been to the hospital in 6-8 years. I have always insurance during and before that time frame. I have no knowledge of this debt and was never notified I owed any debts. I've never received a letter or call in regards to any debt in this amount. This debt was placed on my credit before sending me any type of notification or itemized bill. This debt was reported to my credit on XX/XX/22 by XXXX XXXX XXXX. The Original Creditor is listed as XXXXXXXX XXXX XXXX in the amount of {$1200.00}. I disputed this debt with the XXXX but the debt remains 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 explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Everything I try to submit a dispute whether personal data or credit agencies the system tells me my account has a security alert on it and I have to call in. When I call in and ask them what the security alert is they tell me I don't have right to know and when I ask them who can lift it they say nobody

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 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-02-06
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:
So I sent a letter ( s ) off on XXXX XXXX XXXX. Here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm very disappointed in how my rights have been violated by this company. I've sent out numerous letters to resolve this issue and recently sent another letter that they never responded to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00}

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 2023-05-12
Company: Zions Debt Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a company XXXX, that was trying to collect a Debt for the amount of {$1900.00} they turned the amount to a company called XXXX XXXX XXXX in XXXX which placed it on my credit report, I disputed the account with all 3 credit bureaus and successfully got the item removed from all 3. This debt not owed by me has been off my credit reports for many years now. Recently a Debt purchasing company purchased this paper from XXXX XXXX XXXX who represented XXXX, and without any notification by phone, email, or text they placed the account back on my Credit Reports without any chance to dispute the matter within 14 days I am allowed by law. I would have explained to them the circumstances with this debt not owned by me, but they never notified me, I was notified by XXXX that they placed this debt on my credit report without contacting me what so ever. I want this removed and they should be fined due to their lack of abilities to follow the laws that govern this matter thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation