BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian and XXXX have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my XXXX and experian credit reports that I have been trying to have deleted for a few years now.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mercedes Benz Financial contacted me over numerous phone calls stating that I am 30-60 days late and they need payment so that it wouldn't negatively affect my credit report. When the representative told me that, I felt threatened and extortionate to pay. 
I felt that the company is in violation of 18 U.S. Code 894 - Collection of extensions of credit by extortionate means which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, When talking to the Mercedes Benz Financial rep he told me that if I didn't pay they would put a delinquency remark on my credit report which was a way to extort me to pay and then a few days later they actually did punish me by submitting the delinquency remarks as late payments that is now negatively affecting my credit report and not allowing me to obtain credit. I also never gave them consent to furnish this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to sign up for a high yield checking and savings account with my wife. When I apply for the account, I am declined because my credit is being reported as XXXX  When I clcik the link on the adverse action email provided by the bank, the company has me fill out my information, and submit it. When I submit it, I am directed to a screen that reads " We were unable to honor your request ''. I've been trying for several days, and am still receiving this response. When I contacted the bank 's help line, they told me that the reason that they had were reporting the XXXX credit score is because Experian is also denying them access to my credit information, and that I needed to contact the credit reporting service. 

Despite 5+ hours of calls, Experian 's customer service has hung up on me, and been uable or unwilling to assist me. I finally was able to reach someone who told me that there were no discrepancies with the information that I provided, but that there was nothing more that Experian could do.

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 2022-08-22
Company: C/C Financial
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:
Recently I took a look at my XXXX XXXX credit report, and find Im charged for a loan from preferred lease, And I was like what the heck because In XXXX of last year XXXX  I had applied for a personal loan for a laptop at XXXX through their provider, preferred leasing, however I never ended up signing a contract or picked any sort of lease to own plan nor left the store with any product that day, just wanted to see my pricing options so I had decided to buy a laptop on sale at XXXX instead and forgot All about it. look on my credit just a few days ago to find Im charged over XXXX XXXX dollars for something I never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
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 records 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 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 non-monetary relief
Consumer complaint received 2022-07-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

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 2022-07-29
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, National Enterprise Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with National Enterprise Systems.

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 2022-09-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 there was an unauthorized withdraw a {$500.00} from my XXXX card. it was withdrawn from Citibank ATM in XXXX XXXX. I was in XXXX XXXX at the time. I live in XXXX XXXX. I discovered theft minutes after it XXXX followed all instructions related to reporting the fraud, including calling the XXXX number on the back of the card and reporting it to whoever answered that line, I also made a police report and a report to XXXX XXXX XXXX fraud special investigation. several attempts to follow up with the claim came to nothing.. the original conversation I had with the person that answered my call that morning in XXXX can't be found or any record of it whatsoever. even the original report that apparently was submitted was submitted with totally incorrect information. and because it's been so long no one is willing to help me recover the money anymore, but the problem is I'm not the reason it's taking so long, I did my part I reported it immediately and accurately when it happened to all the necessary parties.. but none of them have done their part I have still not been returned the money. also, in violation of my rights, a thorough investigation was never conducted

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 2022-12-02
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting one or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX  XXXX XXXX XXXX XXXX / Case # XXXX -XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX  XXXX / Case XXXX XXXX XXXX  XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: National Credit Systems,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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked Transunion for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on Transunion says XX/XX/2020 and XXXX says XX/XX/2020. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Sam 's Club account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still, this account is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$43000.00}

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX 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 Bankruptcy, 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 Account Name : XXXX XXXX XXXX XXXX Acct number :

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 2023-08-28
Company: Lyons, Doughty & Veldhuis, PC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Lyons, Doughty & Veldhuis, P.A a debt dispute in repond that the debt collection they bought from XXXX XXXX is not mine and that I do not recognize this account and I have no previous knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-07-02
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Several months ago I opened a new auto loan with Bank XXXX XXXX, and paid off my auto loan with US Bank. Since then I have contacted US Bank XXXX times and spent several hours on the phone with them to obtain the title to be sent to Bank XXXX XXXX, or a letter reflecting the lien release that I could take to the XXXX. On each occasion they have stated that they have mailed the title to me and would provide a lien release letter. I have not received either, and have continued to contact them in an attempt to have the matter escalated. I have even gotten Bank XXXX XXXX on the phone with US Bank, and reached out to the XXXX for assistance. No one can locate the title and every time I am told an associate at US Bank is escalating the issue or overnighting the lien release letter to me, nothing happens. Attached are the screen shots that US Bank provided as proof that they are working on this, but have not concluded the matter. I have been attempting to resolve for approximately XXXX months, and Bank XXXX XXXX will close my loan if I can not provide them with a title.

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