BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Maximus Education, LLC dba Aidvantage
State: MS
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sttes a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to you all and I didn't get a response, an you all have at least 30 days to respond, please investigate my dispute, thanks

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 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Kohls I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. 

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( US DEPARTMENT OF EDU XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Conn's, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a loan with CONNS XXXX XXXX. I had gotten a loan for furniture for an original balance of XXXX XXXX I had paid them from XXXX of XXXX until XXXX of XXXX. During all that time my original balance never changed. I attempted to contact them to resolve issues and always would. Talk to a rude abusive customer service representative. When I was late I would get constant calls at all times of the day. The calls would frequent from calls every other day to every 3 days. When I didnt answer or told them to stop calling me and that I didnt have the money at the moment and would pay it in a couple days when I got paid or would be willing to return the merchandise and pay the fee they got aggressive with me and werent willing to work with me so I told them I was just going to deal with it being charged off with a different agency since I knew I would actual be able to pay it down instead of my money disappearing they not only continued to call me but started calling my work. The emails would frequent just as much as the calls. Once it got close to it going to a collections agency I started getting emails saying it was in pre-legal status and then legal status. Finally my account was charged off and given to a collections company however I recently started getting emails saying they pulled it back temporarily and I should pay them ( This was yesterday XX/XX/XXXX ) When my account finally charged off and closed. There was a balance of XXXX $ despite all the payments made from XXXXnow the balance never went down it only was more then the original. Also each time I disputed the dates in which I was late it changed. When I would receive phone calls initially I was more than willing to work with them. However if I was busy and I said I would call them later to resolve the issue, the mitigation/ customer service rep would aggressively yell at me to pay and give them my card info. During the year of XXXX I was in XXXX and had a hard time making payments due to lack of service so I was making them as much and as soon as possible however they would continue to berate me during the phone calls. I would also like to state I never received any paperwork at any time in the mail or in writing. I would have had no problem dealing with them if they hadnt contacted me so aggressively, actually applied my payments to my account instead of pocketing it and didnt make calls to my work ( Im in the military so the office phone gets answered by anyone in office so they embarrassed and harassed me in front of my co workers. ) I shouldnt have to argue with a representative in customer service about calling later to resolve an issue if I dont have the time at that current moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 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 an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any 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 non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXXXXXX XXXX XXXX XXXX has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 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 make 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 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: In progress
Consumer complaint received 2022-09-22
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Lexis Nexis is providing misleading instructions to resolve system errors. To gain access to your consumer file, submit a request online, wait for PIN via mail, Validate PIN, then I assume you gain access. When the provided PIN does not validate, the instructions state the only way to resolve is to speak with a live representative. The phone number provided XXXX connects to a recorded message that loops with no option to speak with a live representative. When you call the general contact number XXXX, selecting the prompts that direct you to the consumer side of the business routes the call to the same looped message. How are consumers supposed to resolve issues if Lexis Nexis has made it impossible to speak to a live representative?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: VA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Expiran has match my personal info to another person. I filed a police report to verify this The investigator in charge is officer XXXX of XXXX XXXX phone # isXXXX ( XXXX ) XXXX I have verified with the police that expiran has matched someone elses loan info to me. Nothing on the loan matches my info. yet they still put the loan on my credit report and are taking over a month to adjust this. They changed my credit report personal info to match this person my dob was changed my addresses were changed and my name was changed in credit report. When I call to tell them this they just say ohh you have to wait or we will close this investigation and open a new one which will restart the process. I need this XXXX $ car loan removed from my report it is not me.

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 2023-01-27
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:
What happened? 

I filed a dispute with TransUnion on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. 
Account no. : XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 

2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. 
After doing my research I found inaccuracies on the report still, even after they did their due diligence. 

Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me 1.5 % extra because of this inaccurate information.

In accordance with the Fair credit reporting act convergent the above account has violated my rights. 

15 U.S.C 1681 section 602A : 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. 


Thank You Warm Regards 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX 6927****Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, I put a refundable {$500.00} deposit on a new vehicle with XXXX XXXX. Because XXXX XXXX was unable to fulfill a new vehicle purchase, I requested a refund on my deposit. Per the dealership ( XXXX ), a full refund was processed. I did not receive any receipt of this refund but the dealership assured me that the refund was processed. After a couple of weeks, I inquired with the dealership because the refund did not show up in my US Bank account. XXXX from XXXX XXXX assured me they processed it but that if it doesn't show up on my account, to contact my bank so they can situate it. Because the refund never showed up, I opened a dispute over the phone with US Bank. Some low performing US Bank employee that has comprehension issues took almost an hour over the phone just gathering information from me and failed to open the dispute properly. He used an incorrect dispute reason, unsure if this is a lack of training or not but I ended up receiving a dispute form and faxed it over on or about XX/XX/XXXX. I then had to go to a US Bank branch to refax it because the form was supposedly never received. As of today, I am being asked for a credit voucher when I clearly never had XXXX from the beginning. I want this transaction credit back to my account, all interest charges credit back to my account, and all late fees credited back to my account. I also want to make sure that any type of notes or status markings on my account reflecting that I paid late need to be removed. Thank you.

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 monetary relief