BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 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 2022-08-23
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an email that I was denied a line of credit that I never applied for : It didn't include my full name, and when I called the company, they could fine no record of me applying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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 XXXX XXXX this complaint is not made in error neither is it being made by a XXXXXXXX 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXalance Owed : {$1300.00}

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 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Today, I called the fraud department at Transunion to make them aware that they have been in perpetual violation of the FAIR Credit Reporting Act ; despite the numerous disputes initiated with this consumer reporting agency since XXXX of XXXX XXXX. The agent, XXXX XXXX, was very dismissive even when nformed of these violations and insisted they had no authority to remove the erroneous information published by this agency. The agent informed the consumer that the most that could be done is to have a supervisor within the US reply to this complaint within 3 business days. ( XX/XX/XXXX@ XXXX ). One could only hope that this agency be held accountable just as other offenders such as XXXX, for how the so unapologetically inflict harm on the consumer.

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 2022-09-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
Company submitted adverse reporting without giving consumer a chance to respond or deny permission to share account information with third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AR
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:
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 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 before that the information is inaccurate. 

In addition this account has been paid in full and is still being reported open by all 3 Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: HYUNDAI CAPITAL AMERICA
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 Account # 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 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 2022-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently submitted a complaint with the CFPB to have accounts that were subnitted on an FTC Report to be removed/deleted. Not all accounts were deleted. The bureaus have made several violations of federal law under the Fair Credit Reporting Act. I do not appreciate being undermined as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report as these inquiries were unauthorized. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-28
Company: Nelnet, Inc.
State: MN
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 requested a student loan refund of {$9800.00} from Nelnet on XX/XX/22. I was informed by Nelnet at that point that it would be 4-6 weeks before I would receive that refund. 

Over the course of the next several weeks, I called Nelnet repeatedly to confirm that my refund was still on track to arrive within 4-6 weeks. I called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Each representative said my request had been sent to the treasury. Each representative stated that Nelnet no longer had my refund paperwork and that it was with the federal government. Each time I was informed that 4-6 week window started on XX/XX/22. 

I called again today ( XX/XX/22 ) and was informed my refund request has not gone to the treasury yet and that the 4-6 week window has not been triggered yet. This surprised me because I have called Nelnet numerous times and received different information. The representative today told me that Nelnet has struggled to provide accurate information and that many of the previous times I called I did not speak to people in proper departments who would know this correct information. 

I previously filed a CFPB complaint against Nelnet to confirm that my refund request was received and to receive an estimate of when I would receive my refund. I would like to submit a second complaint now due to the completely false information I was provided on numerous occasions by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also note I want Experian to remove all hard inquiries from my report and all charge off collections! They are violating my rights according to 15 U.S.C 1681 section 604 A section 2

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 2020-02-14
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
They were very evasive about the interests when I was questioning them. 
The money within the account before I can even see though contract. The more I question them about the text or the interest rate the more evasive they became it was manipulating and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00}

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I originally reached out to Chase Bank around XX/XX/XXXX requesting a copy of the auto loan contract as I had misplaced mine. No response nor reply was ever given from them regarding a copy of the contract. I then made 3 separate request for Chase Bank to validate the proposed debt for the vehicle requesting very specific information such as : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
These request for validation were sent out to their HQ office in NY, accounting office in XXXX, PA and to an office in Louisiana. All the mailed request were sent by way of certified mail with return receipt service upon delivery. I have still not yet received any of the requested documentation on one occasion rather than respond with the requested documentation they simply returned my opened letter back to me in a new envelope. I have not received nay further phone calls for collection, nor do I appear to have any online access to the account whatsoever. I would like to know how and where can I submit my notarized affidavit to the CFPB, FTC or other governing body to have on record my sworn affidavit of default against Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and have been a victim of identity theft for over 20 years. I have countless police reports on file with my Chex Systems regarding me being a victim of identity theft. The following inquiries viewed by others currently listed on my Chex Systems XXXX Report ID : XXXX is fraudulent, unauthorized, and not my inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others from my Chex Systems XXXX Report today. The inquiries are not my inquiries. Furthermore, I want Chex Systems to mail me an updated copy of my consumer report via XXXX mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Collection Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I injured my XXXX and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX Colorado. I submitted all my information including all my medical information to the staff at this hospital. I was treated and released. 
The hospital submitted for services to my insurance company on XX/XX/XXXX. I received an invoice from the hospital in XXXX of XXXX for {$2200.00} and I paid my part of {$500.00} after insurance paid their Part. At this point I was under the impression that my bill was Paid. 
On XX/XX/XXXX, approx. 1 year and XXXX XXXX months later I received an invoice from XXXX XXXX XXXX associates for {$650.00} for the emergency doctor 's fee. This was the only Invoice I received from them. I checked all my statements from the insurance company from XX/XX/XXXX to XX/XX/XXXX and found that XXXX XXXX XXXX XXXX had not submitted for payment of services. 
On XX/XX/XXXX I contacted the billing dept for XXXX XXXX XXXX XXXX about this invoice. I advised them that they haven't submitted this to my insurance company and that once submitted I would pay the amount owed and that my medical insurance information was submitted to the hospital where I was treated. 
On XX/XX/XXXX I received a letter from Collection Resources Inc. for the amount of {$650.00}. At this point it was obvious that XXXX XXXX XXXX XXXX didn't submit to my medical insurance. Now due to their negligence I am in collections instead of paying my part of 20 % ( {$130.00} ). This is XXXX XXXX XXXX XXXX mistake and I in good faith I did my part by submitting my medical insurance information so they could get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Nationwide Recovery Systems, Ltd
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
while checking my credit report with my financial advisor we saw that nationwide says i owe for a medical bill that was paid i have included the proof of payment directly from the source that says they did not submit that I owe anything. Please remove this from all credit bureau immediately! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account status incorrect

Complaint:
I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX has reported to the three-credit bureau 's ( Experian, XXXX, and XXXX ) XXXX and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail XXXX  XXXX XXXX still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.

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