BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-24
Company: EQUIFAX, 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:
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-09
Company: Stellantis Financial Services US Corp.
State: TX
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:
Warranty Cancellation which resulted in a refund of {$2400.00}. I have yet to receive payment, and have not been given any reason except for that they sent it to the wrong address. 
Reissued check again XX/XX/2023 again being told it went to wrong address. 
Terrible customer service.

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
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: OK
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 complaint to notify you that I am a victim of identity theft. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
Bankruptcy in my credit report that are not mine Experian has certified that they are mine, and courts dont answer to disputes, there third party also has been reporting to them fraudulently.

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 2022-12-07
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my right. 
15 USC 1681 Section 602 state 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-05-18
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I recieved a email from avant. I never received a card and it was marked as fraud. I was told the matter was handled multiple times XX/XX/XXXX I recieved a past due notice from avant about the same account stating I owed them XXXX dollars even though there was no account no credit card issued or turned on and it was marked as fraud 2 years prior. I've emailed and called multiple times and nothing is being done. 

For clarity I didn't have and avant account I do not have an avant account yet I am getting pass due notices for an account that didn't exist and was supposed to be fixed with the fraud department 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account with XXXX XXXX and I was denied because of the information in XXXX XXXX I requested and received my early warning report and saw that Bank of America has reported that they closed a checking account I had with Bank of America on XX/XX/ due to checking account fraud which is NOT TRUE. I had a check that was given to me that bounced. That was it! Checks bounce in accounts everyday! It is not CHECKING ACCOUNT FRAUD. I am tempted to sue them for defamation of character. 

Bank of America has always been a shady bank as seen by the many issues that customers have had with their accounts with Bank of America, for example, XXXX XXXX XXXX And as a XXXX woman for Bank of America to do this is XXXX. They know that there wasn't any checking account fraud! 

I want this completely removed from my XXXX XXXX  account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian keeps showing child support and it's been more than 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was open as a result of fraud. 
under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported bv any evidence.15 USC 1692 ( g )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NV
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:
XXXX is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: PNC Bank N.A.
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 status incorrect

Complaint:
Hello, I had an old account with compass bank. When PNC bank bought compass I decided that was the best time to finally close that account. We moved all our bill pay to a new bank. I went into the branch, and closed all my accounts. There was an overdraft protection line of credit for the checking account. Somehow that didn't get closed and somehow a auto draft for a life insurance policy over drew the account by a few dollars and hung the loan out there. The bank called and said I owed {$25.00} or {$50.00} but could not tell me why. I went back and forth with the bank for months and 3-4 different people to get to a manger that could actually tell me what the fee was related to. At that point I was done being harassed so I agreed to pay {$50.00} to resolve it. They said I could only do it in person at a branch. So eventually went by a branch to resolve and they said they couldn't find the information and didn't know much to charge or how to resolve it. I continued to receive phone calls regarding this and finally I was able to make a payment over the phone to resolve the issue. It was a painful runaround that was complicated by PNC 's takeover of BBVA. It is an absolute outlier situation complicated by big business, new employees and and wasted thousands of dollars of people 's time. 
Over such a small amount. 
Info below from my bank. 

I need PNC Bank to have the late payments removed from my credit report. The charge off was {$3.00} Here is the information that PNC reported on your check line reserve. 
Per our conversation, you had closed out the checking account at PNC and the auto draft for {$25.00} for life insurance continued to debit which then pulled from your check line reserve. 

o Explanation for the late payments on check line reserve ( 2x30 days, 2x60 days, and 6x90 days ) for PNC Bank loan ( acct ending in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it 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 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 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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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:
XXXX login system is very bad, I am putting correct email and password and still it says wrong credentials. When I try to click forgot password to get access I put my username. Click submit. It says : " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' When I click " Forgot Username '' it sends me same username to my email and the circle continues. I tried again to login and follow the same procedure as I am writing this complaint - XXXXXXXX XXXX_ish. The customer service phone number : XXXX is not connecting me to agent. I am stuck. 
Exceptionally, I am able to login only when I click create account ( sign up ) on experian portal - but ideally it is not the right way to login. Upon logging in today, I came to know 1 past address and phone number in experian credit report is wrong. 

XXXX In XXXX Credit Report : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX WRONG PHONE NUMBER : XXXX. 
WRONG HARD INQUIRY : XXXX XXXX XXXX XX/XX/2023 ( Taken Care ) Just FYI : XXXX In Equifax Credit Report : WRONG HARD INQUIRY : XXXX XXXX - XX/XX/2023 ( Still taking care )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed.

According to 15 USC 1681 ; I have the right to privacy and I did not give Experian written permission to furnish inaccurate accounts.

Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX  ... 
Account Name & Number : XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX # XXXX... 
Account Name & Number : XXXX XXXX # XXXX Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX Account Name & Number : 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 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY XXXX PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XXXX XXXX {$150.00}, 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 2023-01-09
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother first noticed this on her account and tried to resolve it with the company in XX/XX/2022. The company told her that she needed to submit a roommate cancellation agreement. She did not have a copy as it had been over 5 years and she had moved overseas during that time. I lived there with her and moved out when she did. The roommate is responsible for these charges not my mother and I. She gave them a copy of the lease the roommates manager had signed after we moved showing we were no longer on it. The ledger they sent also shows it was paid in full the month we moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming us to pay it because they can not get the money from the people that really owe it. Collection Agency was NATIONAL CREDIT SYSTEMS INC Original Creditor Name 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