BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: AL
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 theres are several accounts that violates my rights. 15 USC 1681 section 602 stated I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also stated a consumer reporting agency can not furnish an account without my written Instructions. 15 US code is 1681a - rules of construction exclusion exception as provided in paragraph The terms consumer report Any reporting containing information solely as two transactions or experiences between the consumer and the person making the 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 2023-11-06
Company: LEXISNEXIS
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent LexusNexis XXXX requests for my report, XX/XX/XXXX, and XX/XX/XXXX. 
I included a copy of my drivers license, social security card, and a Electric Statement my home address, with my request. Lexus Nexus sent me reply letters stating they still don't have enough information. 
I had no trouble with XXXX, XXXX and XXXX. 

I don't have a printer, so I had to go to the library to copy those items, and I have done enough. I I understand from what I am reading on XXXX, that this is a Stall Tactic because they are behind, thus Lexus Nexis in violation of the FDCPA.. 

Please have them stop reporting my information as follows, and send my a confirmation letter, stating that they have halted reporting my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you, XXXX M XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and 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 2021-08-13
Company: EQUIFAX, 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:
I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXXXXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: CT
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:
EXPERIAN has history that began in XXXX with the merger of two British credit information companies, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. XXXX was an credit reporting agency in the United States, while XXXX XXXX operated credit bureaus in the XXXX XXXX. The merger formed Experian. Experian 's contribution to the credit industry came with the introduction of the FICO credit score in XXXX, developed in collaboration with Fair Isaac Corporation ( FICO ). EXPERIAN came into existence in XXXX, consumer reports have been around for centuries. EXPERIAN came into existence after CONGRESS had passed the FCRA. EXPERIAN is not a Government Entity but is demanded to perform under Government Law. Under CONGRESSIONAL LAW EXPERIAN is DEMANDED perform ALL DUTIES and RESPONSIBILITIES with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified EXPERIAN as an ELABORATE MECHANISM who has ASSUMED its role to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. EXPERIAN you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you need and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). EXPERIAN YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACT YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.

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 2019-03-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Someone sent me money through Chime in XX/XX/2022 I just wanted to withdraw funds but XXXX XXXX created an account for me and sent me a debit card I never activated. I tried to get out the funds this week and then a couple days ago get a letter that they closed my account. They are also refusing to give me my money back. I wrote them and they said Your account has been closed by Chime and is not eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, cell phone bill, and Social Security had been provided. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX DOB : XX/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 non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-08-11
Company: EQUIFAX, INC.
State: AL
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. 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX 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 2023-03-04
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Regarding AfterPay services. I have used their service a few times to purchase items at XXXX. They pay upfront and set up a XXXX payment agreement you pay every XXXX weeks. Upon returning items to the merchant and reaching out to Afterpay because the refund was not processed and therefore not deducted from my account, I paid for items I no longer had. I reached out to both the merchant, and after pay to resolve the matter several times. I provided the proof they requested, and it wasnt until recently that they attempted to resolve the matter. However, I am currently in another situation, where they will not refund my money and continue to charge me for items I no longer have an have returned to the merchant. They do not provide help, are not reachable by phone, only email and each time, its a new person responding to the email. Its a scam. 

The attachments I have provided are for the current case. Ive had issues with them since early XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: Northeast Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company have been calling my mother in law, leaving message on her voice mail saying there are papers I need to be served with for a debt I owe. 
They also called my brother in law letting him know if I do n't pay the debt my wages will be garnished. 
They contacted my ex husband and told him I owe a debt that needs to be taken care of, and there is legal action filed against me for which I need to be served ( this has been threat for the last year ) When I call the company back and asked to send me a bill and I would gladly pay whatever I owe I was told they do n't send bills and I need to provide my credit card or bank information over the phone, which I refused due to not knowing if this is valid debt or not. I also asked the company for their name and addressed and they refused to provide that information to me. My intention was to send them letter stating to cease any communication.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
inaccurate information [ Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681n - Civil Liability for willful noncompliance ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681o - Civil Liability Civil Liability for negligent noncompliance ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 874 As per [ Title 15 U.S. Code 1692- Congressional findings and declaration of purpose ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876 As per [ Title 15 U.S. Code 1692c - Communication in connection with debt collection ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692d - Harassment or abuse ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692e - False or misleading representations ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 As per [ Title 15 U.S. Code 1692g - DEBT COLLECTION PRACTICES ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880 As per [ Title 15 U.S. Code 1692j - Furnishing certain deceptive forms ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 881 As per [ Title 15 U.S. Code 1692k - Civil Liability ]

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 2017-04-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Approaching my payment period, I began looking at of my loans and was rather confused. I first set up my bank account- which I found out later was the incorrect routing number ( my fault ). However, upon the payment bouncing back due my incorrect bank account number. I was called multiple times basically being chastised that something was wrong but they would not help me figure out the solution. So eventually, I retyped all of my account information in a second time but then at this point I had to pay double payment which I am thankful I had enough money. I do not think I should have had to double pay when they could not help me figure out what was wrong. Furthermore, I continuously called to check and try and solve my own problem. On top of that Navient gave no further assistance on my military payments when I thought I needed at XXXX for my taxes they had no clue or any direction. They only focus on what they need and do not care about customer service or finding a correct response. Also, I believe there should be a calculator for students on the site for them to try to pay off their loans before 10 years to save loads of money on interest. So many students will default on their loans because of this. They do not assist you with paying them back at all just complain until you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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 XXXX 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, WI XXXX XX/XX/XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} 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