BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXXm writing this because I have inaccurate information reporting on my Experian, XXXX and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, Experian states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.

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 2022-08-20
Company: EQUIFAX, INC.
State: AZ
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:
Im writing this because I have inaccurate information reporting on my XXXX, Equifax and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, Equifax states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on Equifax it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: AES/PHEAA
State: AZ
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:
Im writing this because I have inaccurate information reporting on my XXXX, XXXX and XXXX from Fed Loan Services and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says Fed Loan Services. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: UT
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:
The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in 2014. Their dates don't match the facts I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I noticed this account showing up on my credit report I sent a letter to IQ Data International , Inc attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - I visited the Lexis Nexis website to freeze my credit file. The website stated I would need to submit proof of current US address but I have not resided in the USA since XXXX. 

XX/XX/XXXX - I called Lexis Nexis to freeze my credit file. They refused. I explained that in XX/XX/XXXX, I relocated to XXXX, XXXX, XXXX to get married to a wonderful XXXX  man. This is my first time visiting the USA since before the pandemic. While I am here, I am freezing all credit files so that I will close any channels for being a possible victim of identity theft or identity fraud since I live abroad. There was an attempt at identity fraud in XXXX. 

While the representative was on the phone, I emailed a copy of my bank statement attached to my business invoicing system, showing the bank of XXXX XXXX XXXX, Member  FDIC which lists my address of my family where my mail goes and where I reside during my current visit to the USA. They refused to accept this document. 

Lexis Nexis insists that I show proof further proof of a current address in the USA, when I do not have one. I do not live in XXXX. I live in XXXX. I have a XXXX passports but nothing else that validates my identity from XXXX. My state driver 's license expired while I have lived in XXXX as well. I have nothing to authenticate my identity as a XXXX resident, when I do not live in the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a loan with GM Financial and I think it's a illegal repossession 1. I didn't receive a right to cure letter to even offer to bring the account up to date 2. when I called GM financial on XX/XX/18 on XXXX am the rep told me that no phone number was on my account, so they weren't contacting me. 
3. my account was XXXX XXXX past due at the time of repossession 4. I contacted the lender previous and asked about options to keep the account in good standings and they wouldn't offer me ANY help.. 

I will take this matter to court and sue GM Financial for their negotiations with my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a vehicle I had purchased from Ford Motor company Ford XXXX. With in the first year I had several issue with vehicle being in the shop to the point where I had to contact Ford Motor Company because the vehicle had several major issues with in the first year. I spoke with a Ford Vehicle Specialist to get resolved. I was in a rental car for several months because the XXXX had transmission issues. Ford agreed to buy back my vehicle and help place me in a new vehicle once the vehicle was return to the dealership. In that transmission I was told by the specialist to not worry about pay the last months of the vehicle because its was going to be traded back to XXXX XXXX dealership and they would cover the cost of original loan since it was deemed a Lemon under the Lemon law act. I financed a new vehicle with the trade in with Ford motor credit at the XXXX XXXX dealership. In that transition time my old payment was not updated which caused it to go past 30 days because on the loan specialist part they did not take into account to buy back time frame. The vehicle loan was closed out the next month and now I have a negative hit on my credit because the vehicle was not properly transition when I was trading in the old for new. I asked Ford to remove impact and they declined. The loan was acted in bad faith and I would like to get this resolved since I purchased with Ford Motor Credit again event though the first vehicle was classified as a Lemon under the Lemon law act XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX and 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 2023-10-30
Company: EQUIFAX, INC.
State: NC
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:
I filled out a report with XXXX XXXX  for some fraudulent activities, mailed the report off and still havent heard a status or deletion from this CRA! This was mailed off to the CRA on XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: MS
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Annual fee posted on XX/XX/XXXX. Called to cancel card on XX/XX/XXXX to avoid annual fee. Statement dated XXXX still showed the annual fee due as well as having a late fee and interest charged on the fee. Called on XX/XX/XXXX and was told a case was created to correct their error. The fee still showed on my account as of XXXX so called again. I was told they would fix it and a supervisor would call me the next day to confirm. No one called me. The next statement posted on XX/XX/XXXX and the annual fee is still on my closed account as well as the old late fee and a new late fee. They are also charging interest on all of these fees. Called again on XX/XX/XXXX and was told it would be corrected by my next statement date of XXXX. Told the rep this was not acceptable and it needs to be fixed immediately. Asked for a supervisor was told I could not speak to one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CT
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 acXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, 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 2022-11-24
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the debt with Aargon Collection Agency as I attempted to have the debt verified. 
I asked a representitive of Aargon Collection Agency over the phone when they originally called me, asking to verify the debt as I had originally asked XXXX XXXX to give an itemized version of the account/debt they stated I owed. 

Both Aargon Collection Agency and XXXX XXXX had failed to verify the debt. 

Was removed from credit reports and has come up again.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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 a account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-06-22
Company: A & J COLLECTION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today I received a call from XXXX who claimed to be a collection agency ( I believe they said A & J Collection ) that a debt of mine was given to them. Said it would go on my credit today and could not tell me what it was for. Said it was {$500.00} and had to be paid or would go on my credit. They said some bill from Florida which I have not been to. 

Make me nervous as they had my SS #, my date of birth, my address and some company I run a business. 

I asked for a number to call back and they gave me a non existent number XXXX. When I questioned the bill, he finally just hung up on me. When I called the XXXX they pick up and say they are some credit company and when I start questioning who they are they hang up on you. 

Obviously getting or stole personal information and trying to steal money from innocent people who worry. Please get this number disconnected and reported.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-26
Company: DISCOVER BANK
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My issue is that Discover must report accurate information to the credit reporting agencies consistent with the Fair Credit Reporting Act. Over seven years ago, Discover charged off my {$6000.00} loan. Discover continues reporting late payment information to the credit reporting agencies, going so far as to remark the account 'closed ' and then 'opened ', over and over, which has negatively affected my credit reports. I recently received a credit alert that Discover reported information on my credit report. Discover reports monthly that I am either 30, 60, or 90 days late to the credit reporting agencies, in addition to continuously changing remarks. Discover should not be reporting negative information regarding my loan that was charged off over seven years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, XXXX and TRANSUNION are reporting a charge off for XXXX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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 looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a XXXX  due to this intrusive reporting! 

XXXX XXXX XXXX  XXXX XXXX : XXXX Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX  XXXX XX/XX/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 2023-03-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me. I received a letter that it would be removed but the letter stated XXXX XXXX and on my credit report it states XXXX XXXX!

Company response to consumer: Closed with explanation