BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
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 These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D/B/A TransUnion LLC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all shall be fined {$100000.00} ( PER VIOLATION ) under Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for XXXX  years for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of XXXX XXXX XXXX of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-06-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX all shall be fined {$100000.00} ( PER VIOLATION ) under Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for 5 years for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aggravated identity theft against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of XXXX XXXX XXXX of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Speedy cash offers payday loans. 
The amount was about {$500.00}. 

I paid already {$360.00} or so. 

The amount due last week was {$540.00} left which was still High almost double the original amount borrowed Now today after speaking with them About payment options and help I now see the balance went up to {$780.00} So {$1200.00} for borrowing {$500.00}? 

This doesnt seem to be something thats fair. In addition the original loan mentioned an installation payments- not sure how payments are {$340.00} a month? 

I believe the fees are in question here, and the companies unwillingness to work with me at all. Telling me that there gon na draft it out of my account I was calling ahead about a weeks time to find out hardship payment options whether I could pay at least {$100.00} now and spread the payment over time? Or any assistance- they said no. 

I am reaching out because we are about to loose our home and car, and cant afford for any accounts to be overdrawn- especially when I am trying to communicate the financial hardship I am experiencing I suffer from XXXX and am on XXXX- this is a lot of pressure on me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I c systems opened up a bunch of medical ones on my Credit and never sent me anything and continues to call and harass me after I did a call with the insurance and them. The dates follow and amounts. 
XXXX XXXX {$300.00} XX/XX/XXXX, XXXX {$340.00} XXXX XXXX {$240.00} XXXX {$200.00} XXXX XXXX {$140.00} XXXX XXXX - {$50.00} Another collection agency called and it's called XXXX XXXX of {$210.00} on 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 2023-09-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX  XXXX & 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 2022-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to Kohl 's and purchased some clothing. I did not have a Kohl 's credit card nor did I want a Kohl 's credit card. The Kohl 's employee who rang up my purchase talked me into opening a Kohl 's credit card because I would save about $ XXXXon my purchase. I opened the account and made my purchase. Several weeks later I received an email that my statement was available and to log in online to view it. I couldn't log in online because it required the account number. I hadn't received a card in the mail or a statement so I didn't know the account number. I figured I would eventually get a card and a statement in the mail. That never happened. Several weeks later I received another email that my statement was available online. I attempted to login and couldn't without an account number. I called customer service and they wouldn't talk to me because I didn't have the account number. The next day I received the card in the mail. I was finally able to log in online. Then I discovered I had been charged a late fee and interest. I called again and they told me I had signed up for electronic statement and wouldn't refund the late charge or the interest. I went ahead and paid the balance in full in fear of it messing up my credit. This company violated the Credit Card Act by not providing me with a statement. I am reporting them for this violation and want my late charge and interest charge refunded. I was assessed these charges because of their violation of the Credit Card AcXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # 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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # 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 2022-06-26
Company: CAINE & WEINER COMPANY, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NEVER HAVE I EVER GIVEN CONSENT TO THIS COMPANY TO EVER HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION. I HAVE NEVER AGREED TO DUE BUSINESS WITH THIS COMPANY ON ANY TERMS EVER!!! 

On multiple occasions I have attempted to resolve this ongoing issue of identity theft with CAINE & WEINER for fraudulently purchasing my nonpublic personal information and furnishing inaccurate and deceptive information to my consumer report via the consumer reporting agencies. This has hurt my consumer report immensely and has effected me of being approved for jobs, insurance, and dwelling. I am attaching all documentation below. I have also sent my complaint over to my state 's attorney general consumer affairs department. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CNG FINANCIAL CORPORATION
State: IL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 2023-10-10
Company: Landis Technologies, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently came in contact with Landis ( XXXX XXXX NY ) regarding home ownership opportunities. It would appear that the company steers prospective homebuyers to certain realtors and mortgage lenders that on its surface violates RESPA / TILA / Reg Z. They also seem to pay referring realtors a fee that would also violate lending laws. The company seems to be violating consumer privacy and fair treatment rules as part of their core business. Please investigate to ensure they are legitimate and not predatory. There practices around appraisal and appraisal reconsiderations should also be analyzed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct 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 2023-06-02
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023, I applied for an extension of My credit at State Employees credit Union. I was denied for credit history and basically I didnt make enough. I am devastated. After speaking with loan officer, I asked was she the underwriter, she told me No. After She spoke with her supervisor supposedly. She said it was my credit history and recent chargeoffs. I told her someone was working on my credit because someone fraudulently used my social security number. I then asked to speak with the underwriter. She replied I am the Underwriter. I then mentioned 12 Cfr 1002.4. I felt discriminated against. I also mentioned Title 15 subsection 1611 faults and misleading denial of credit. I asked for all the factors that played a role in this consumer transaction. She than said she didnt know what I was talking about. She havent heard those codes before. I told her if she was an underwriter Im sure someone mentioned them one time or another. I asked for a printout of the factors the played a role and denying me access to an extension of my credit. She said it would be mailed to me. I told her I was denied so it should be on the screen. I asked to speak with a manager who may know these codes. She then brought the bank manager in and she said we are sorry your denial is because of charge off and credit History. At this point I was heartbroken. I told her if its charged off they were paid so it shouldnt be on my credit and gave her my spill about fraudulent activity on my social security number. The manager told me something will be mailed to me. After leaving the bank, I thought I left my phone and four employees were huddling talking about this matter. Later that day I received a call that I can pick up paperwork Tuesday morning and She spoke to Vp of company and I was still denied. It was a Friday XXXX XXXX and it was a XXXX Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
During the Pandemic, i missed XXXX payments on my car loan due to health issues and income reduction from job. After situation got better, i satisfied my account as agreed with bank. During the time that i was late, i asked for an extension for payments which were approved but i was told those XXXX payments were going to be push back to the end of the contract. i was never told that the bank was going to report late payment on my credit report. i've been trying to get those late payments removed off my credit report since is hurting my when i applied for any type of line of credit. 
XXXX, i disputed with all XXXX bureaus. XXXX, XXXX, and XXXX. they all were not able to update my account to current since The bank reported as accurate. 
XXXX, i sent a goodwill letter to the bank but i got a negative response from their side. 

under The Heroes act, this account should be standing under good conditions with a 100 % payment on time status but its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by 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 2022-06-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # 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 explanation