BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-24
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A 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 explanation
Consumer complaint received 2022-11-26
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2022 I called and spoke to an Edfinancial agent about requesting a refund of payments made during the pandemic. I have called repeatedly because I have yet to receive a refund. On my 4th call I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. My loan amount has not changed. Nobody can give me any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me. 
Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday ( XX/XX/22 ), I received a notification from XXXX XXXX that a new debt was added to my line of credit on XX/XX/22 in the amount of {$890.00} by Debt Recovery Solutions ( account was opened XX/XX/22, but not added to my credit until XX/XX/22 ). I have not received any calls or letters attempting to collect a debt, let alone any notice it would be sent to collections. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) has also stated they have not received any bills that they havent covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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 following creditors have violated my rights under : 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. 

XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following creditors have violated my rights under : 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. 

XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: NV
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 ; 2. XXXX XXXX XXXX  XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 ; XXXX XXXX XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: AFNI INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX on XX/XX/XXXX to verify if my account was closed and paid in full. Can not remember if I made a final payment at that time or before. I spoke to supervising agent ID # XXXX whom verified that my account was closed and paid in full. XXXX has since added additional charges, turned me into collections and continues to try and collect moneys not allowed to them. 

Since they continue to attempt to collect charges not owed, I would like to make you aware that since I upgraded with sprint in XXXX, they continually over charged me on a monthly bases. I have two specific, on line conversations with XXXX representatives that concur with my beliefs. Please allow a corporate lawyer to contact me if they believe I have a case case against this company. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We had problems from day one they did not disclose the vehicle was wrecked and glued back together there own machanic showed me. i have pictures and the bumper came off the glue did not hold.The XXXX XXXX XXXX has the same complaints, They lied to us stating they would put us in another vehicle re do our contract then re po the vehicle we lost out jobs and house over this. my credit report sucks now we live in a park and never in my life have i ever been XXXX i am embassed to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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 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 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion alleges that " credit collections '' belongs to me and is " accurate ''. I never had any business with this company a day in my life, Please update my credit report with this company remove asap.

Company response to consumer: In progress
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on several occasions to get a copy of my credit file. I have not been successful in getting any response from the company but they are reporting incorrect 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 2023-09-02
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-06-24
Company: Credit Control, LLC
State: RI
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:
Third party trying to collect a debt. That has been XXXX my name is has a copyright and trade mark and the debt has been fully XXXX. Per Usc 15 ( a ) ( 4 ) 1681 ( a ) Accuracy and fairness of credit reporting

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 2022-06-24
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My paycheck on Friday XX/XX/XXXX had {$120.00} garnishment taken out from a company called LVNV Funding LLC. I have never heard of, spoken to, or recieved ANYTHING with information in regards to a debt they sued me for! I only became aware after looking on Wisconsin XXXX and saw this was from something in XXXX, and again I DON'T KNOW WHAT THIS DEBT IS FROM!! NOW THEY ARE TAKING {$120.00} FROM MY {$420.00} DOLLAR PAYCHECK! I can't live off of that and I'm gon na become homeless. I know this is a big waste of time because all you will do is forward this to them, they will say they did nothing wrong and then XXXX XXXX BUT WHO CARES RIGHT, YOU DON'T KNOW ME OR COULD CARE LESS IF THEY BREAK THE LAW AND RUIN PEOPLE 'S LIVES, ITS NOT YOUR PROBLEM. SO THANKS FOR DOING NOTHING EXCEPT ADD TO THE NUMBER OF HOMELESS PEOPLE IN AMERICA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I sent certified mail to XXXX, transunion, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, XXXX breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 

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

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

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a XXXX party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number 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 2022-06-24
Company: Experian Information Solutions Inc.
State: NV
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 ; XXXXXXXX XXXX XXXX  : XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$35000.00}

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 2022-06-24
Company: AES/PHEAA
State: MT
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:
We have a spousal consolidation FFEL loan given to us through the financial advisors at the college. We were told that it was an ed loan just consolidated incase one of us died. We were never told that it would not qualify for PSLF. I have 14 years working for the USDA and my wife has years in early childhood education. After years of IBR, we were denied for forgiveness. No one would tell us why. When XXXX  made FFEL part of forgiveness, we applied again. After multiple calls we were informed that we would never get it because of the spousal consolidation. We called AES and they told us they wouldnt work with us and there was nothing we could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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 sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not true and insulting. XXXX XXXX accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.

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