BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # 's 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 2022-12-12
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I closed my account a few months ago, when it was closed I asked that the secondary bank in the account be closed. Any refunds or deposits should be sent to me in the form of a check to my mailing address. 

My doctors office refunded me {$340.00} to them, they have yet to send me these funds. I have contacted them 3 times, the doctors office contacted them separately but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank called BB & T in XXXX XXXX tx fraudulently opened a bank account in my name. Once I found out I notified the bank and filed a police report and the police arrested and charged XXXX XXXX for opening fraudulent account and theft by check. BB & T still has this account on my name and needs to be removed.

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 2022-11-11
Company: DEBT CREDIT SERVICES
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX took a car insurance under my name and also take {$570.00} in my name

Company response to consumer: Untimely response
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: AL
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 sent a letter to the XXXX reporting companies asking them to investigate the XXXX that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX is in breach of its obligations under the Fairness in Credit Act, by refusing to disclose the credit information used in its decision to decline a credit card application. I have tried several times to request access to the information used to deny my application, to no avail. XXXX has, by law, 30 days to send me this information, and has failed to do so.

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had to put a down payment of {$9700.00} XXXX asked about insurance I was told I could not get it. As a living breathing human in the United States Of America I have rights and there are laws and codes put into to make sure my amendment rights arent violated. One is the pursuit of happiness. I ask for a copy of my contract with Capital one Auto Finance the contract I received has that the sell XXXX XXXX of XXXX, XXXX assigned its interest in the contract to CAPITAL ONE AUTO FINANCE. Everything was not disclosed to me or my co-buyer. I owe XXXX Im charged {$15.00} in late fees the day before and on the last day of my 10 day grace period XXXX XXXX {$560.00} was paid to the internet when my internet rate is 17.99 % XXXX was paid to the principal I missed XXXX XXXX {$580.00} was paid on interest XXXX {$130.00} was paid on interest XXXX {$440.00} was paid on principal. They never emailed me or verbally contacted my co-buyer or myself to let us no we have the right to rescind on my contract. Was told no law provides a cool off of cancellation period for this sale. That was a lie. The only signatures on my contract is me my co-buyer an XXXX XXXX of XXXX, XXXX 15USC 1605,1605 ( B ) 15USC 1692F ( 6 ), C ( c ), H 15USC1681a ( 2 ) ( B ), B ( 2 ) s2 ( a ) ( 1 ) ( a ) 5USC522a This fraud and has damaged my credit and put me in bad place financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TransUnion reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are XXXX medical debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes per accounts that are not been properly Investigated the disputes is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the XXXX accounts listed was coved by medicaid Insurance to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companies nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my healthcare data

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 2022-04-25
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: Credit inquiries on your report that you don't recognize

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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX  # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-01-04
Company: HANCOCK WHITNEY BANK
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a cumulative and extensive history of harassment that has continued since XXXX by XXXX XXXX, XXXX XXXX XXXX, Aldridge Pite , LLP and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to collect a paid-in-full debt from my parents estate. I have filed on the record extensive paperwork in regard to my private property in XXXX XXXX, Arizona. The debt was discharged in full and paid. XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX, XXXX. double dipping securities for funds, committing fraud and working in collusion with XXXX XXXX XXXX XXXX XXXX in Arizona have continued to find ways to break and enter my property through different companies, harass me, engage several companies to aid and abed to Securities Fraud and ignore documentation in honor to attempt to resolve this matter. We had the opportunity to resolve this matter peacefully and in honor and now I will and/or have filed with the Arizona U.S. District Court XXXX IRS, CID, Postal Inspector General, Treasury Inspector General, XXXX, SEC, FTC, CFPB, DIFI.AZ.GOV and others if necessary. I have extensive correspondence, recorded documents and exhibits aside from what is attached hereto in regard to these executor de son tort actions against my parents ' estates. My Affidavit Commercial Complaint against 6 corporations ( there are more involved ) includes Civil Rights Violations, Trespass & Harassment, Consumer Rights Violations, Violation of the National Currency Act of 1863 & 1864, 12 U.S.C. Sec. 38 the National Bank Act of 1863 & 1864, Title 18 U.S.C. Sec. 641 Unlawful Conversion of Public Records, Theft of Property, Title 18 U.S.C. Sec. 241 & 242 Conspiracy Against Rights, Title 42 U.S.C. Sec. 1866, 1983 and 1985, FDCPA Violations, Act of Eminent Domain Violations, AZCPA Violations, Scienter Act Violation and finally Securities Fraud. These companies include Aldridge Pite , LLP and/or d/b/a Clear Recon CorpXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along XXXX XXXX XXXX XXXX as XXXX and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Affirm 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, 2022 paid last payment to AFFIRM INC . I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD AFFIRM SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. AFFIRM HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK AFFIRMS WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX AFFIRM CONFIRMED DEBT... BUT SDNT NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call affirm ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be XXXX days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: World Acceptance Corporation
State: TN
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  n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: OH
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a lease in XXXX of XXXX with XXXX and the company XXXX. When I moved in we had communicated that we were looking for a house and was only going to need a 13 month lease. We paid rent every month on time. We had referred several people to the property and were told we would be receiving a {$1000.00} per signed lease after 3 months of them living there. We signed XXXX people. We filled out a XXXX. We have proof. We were asked in XXXX if we had plan to renew and we wrote on a paper and turned in and communicated we would not be renewing. The property got bought by XXXX partners. In XXXX, we were closing on a home. We went down to ask if we could find someone to take over our lease a little sooner and not have to pay the remainder month. They said they had no notice of us leaving with the new company when lease was over and that themselves needed it in writing. I wrote a letter on XX/XX/XXXX to state we would be leaving when lease was up and not renewing. We paid in full throughout lease and returned keys on XX/XX/XXXX. Our lease was up on the XX/XX/XXXX. We paid through the lease. They are now charging us XXXX. We never received the checks for the referral fees we were promised which was XXXX. We should not owe them XXXX. I thoroughly dispute this. I am also asking what legal action we can take regarding this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
These account are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: OH
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 gave Experian no written or verbal permission to do business with me. That means share my info with third parties, do credit changes and credit reports in their company without my written consent, and most of all I did not give written consent for them to have my personal information! 
Experian is not a government Corporation they are a private company. Experian should not have my information!. Experian will try to manipulate that they have my written consent But I never physically appeared in person to sign to have them share my info especially with different companies this is hindering my life I want Experian to delete all my information from there system because they are committing fraud Here 's a list of laws they broke 525.02 FALSIFICATION. ( a ) No person shall knowingly make a false statement, or knowingly swear or affirm the truth of a false statement previously made Consumer Financial Protection Act ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ) ( 12 U.S.C. 5481 et seq. ) Fair Credit Reporting Act ( 15 U.S.C. 1681et seq. ), except with respect to Sections 615 ( e ) and 628 of that Act 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 


Experian XXXX XXXX XXXXXXXX XXXX Texas 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 2022-08-01
Company: Experian Information Solutions Inc.
State: IN
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  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation