BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
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:
in accordance with the fair credit reporting act 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 XXXXXXXX violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently deleted from 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 non-monetary relief
Consumer complaint received 2019-10-10
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-09-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Whenever I see a payment about to come out, if my funds are a tad low I transfer it in immediately from another account BEFORE morning banking business hours. Or I go to the ATM and deposit cash. Never once have they declined my debit card when my funds are insufficient, they let it go through so they can charge me fees. And they are not using my over draft protection like my credit union does! I'm sick of it it's been hundreds of dollars stolen from me since 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 2022-11-18
Company: EQUIFAX, 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 # XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am reaching out in regard to my XXXX plan and how my monthly payment was calculated for my student loans. I believe my servicer Nelnet have wrongfully calculated my monthly payment. I had spoken with the Department of Education, and they informed me to follow the self-certification process on XXXX, which I followed and processed back in late XXXX. They informed me that I only needed my 2022 tax returns, which I provided. I called Nelnet and they told me submit my tax documents for them to re-calculate as well. 

I have attached my student loans application and tax return for your info. 

I have waited for months for updates on the recalculation because based off my 2022 tax return, I make less than XXXX which qualifies for the XXXX XXXX monthly payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this 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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 XXXX 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 2023-10-13
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing a debt against affirm because I didnt receive the product from XXXX XXXX XXXX XXXX  XXXX XXXX already resolved my claim and refunded half of the charge. I submitted a company with the XXXX and the response came back resolved and the representative stated that Affirm  should take that response inconsideration and charge back XXXX XXXX. I have submitted documentation where I have not received anything from them and I believe this company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TransferWise Ltd
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my name is XXXX XXXX and i had account with wise.com. My account details is AC No : XXXX ( USD ) ACH and Wire routing number : XXXX I am running XXXX XXXX XXXX in XXXX which is register and verified XXXX XXXX address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX I keep on getting payment from my clients for the XXXX ads services. 
Yesterday wise account got suspended without any pre intimation and my amount has been hold which is around $ XXXX USD. 
I request you please look into this and get my fund released asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, my insurance company XXXX dropped me because it said I got tickets. I did get a speeding ticket in XXXX but did not understand how I would be dropped for that. I moved to XXXX and reported the ticket and my Insurance was cheaper. Then they pulled my CLUE report and FL DMV report and my insurance went up due to a combined accident and speeding ticket in South Carolina. I was never in an accident, so I requested my Clue report and dmv report. It showed a speeding ticket causing an accident and a {$1000.00} insurance claim. I informed clue this was not me. I contacted the SC DMV, they verified it was a mistake and removed it from my record. They sent me a letter saying ut was removed from my record. I sent the letter the FL DMV and they pulled my record, it was removed so they took it off my record. I contacted XXXX, offered to send them the letter, they said they would investigate and get back to me around 30 days. I have never heard from them again other than the request for my record. My 6 month policy has run its course I go to renew thinking this would be gone XXXX  is still showing that I have this {$1000.00} claim on my insurance. My insurance went up another {$500.00} for the next 6 month period. XXXX  is ruining my driving record and costing me a lot of money based on incorrect information. And is sharing it with all insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: TN
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 contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX. 
INQUIRIES TOO : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by Transunion that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with 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 2023-12-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
TIME WAS SEPND CALLING CITI, TYPING AND CREATING DISPUTES LETTERS AND LOOKING AT CREDIT REPORTS. TIME WAS SPENT GOING BACK AND FORTH TO THE POST OFFICE. TIME WAS SPENT FINDING ERRORS ON MY CREDIT REPORTS. TIME WAS SPENT CALLING CITI MULTI TIMES. TIME WAS SPENT FILLING OUT ENVELOPES. TIME WAS SPENT PRINTING AND SIGNING DISPUTES LETTERS. TIME WAS SPENT FILLING OUT XXXX XXXX XXXX FORMS. TIME WAS SPENT IN LINE AT THE XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBT WITH CITICARDS. I DO NOT HAVE A CONTRACT WITH THE CREDIT CARD AGENCY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
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 Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Transunion XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-10-10
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I was given a loan in the amount of {$3700.00} by Omni Financial, I had made several payments since the start of the loan and called to see what my current balance was only to hear that it was still {$3000.00} and change. I asked if there was a way to pay more monthly and was told that the allotment amount couldn't be changed. I was told I had to set up an allotment and have the monthly payment come out of my check every month as the only way to pay back the loan. I came across the Military Lending Act which states " No mandatory allotments. A creditor cant require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. '' I believe Omni Financial has violated this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
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 # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person 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