BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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. After requesting conduct a proper investigation this company keep certifying incorrect incomplete and erroneous information

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 2021-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On or around XXXX XXXX, XX/XX/21, I signed up for Auto-Pay with my Best Buy Credit Card, by Citi Bank. The option for Auto-Pay selected was " Minimum Amount Due. '' The terms and conditions did not disclose a preset payment would be automatically withdrawn from my checking account, in the event I made a payment earlier. 

In this scenario, My due date was XX/XX/21, for the Minimum Amount Due of {$29.00}. I processed a successful payment of {$300.00} on XX/XX/21. This payment posted by account, as I checked online, where also, my minimum due online was {$0.00}. I was still drafted {$29.00} on XX/XX/21. Essentially, the auto pay does not look at the minimum due amount. The issue is that when the statement generates their system automatically schedules the minimum due on that date. 

I feel this is very abusive because there was no minimum amount due. I do want to keep the auto pay but only when I have forgotten to make a payment, in by case for a backup plan, so that my credit remains unaffected.

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 2022-12-27
Company: Kriya Capital, LLC
State: SC
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:
In accordance with the fair credit reporting act, RECEIVABLE SOLUTIONS XXXX Account # 1238 has violated my rights. 15 u.s.c 1681 section 602 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 instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
The XXXX XXXX XXXX Experian, XXXX, and XXXX have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions. 
15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX ) in another complaint. The XXXX mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting

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 2023-02-18
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:
Ive previously disputed this account XXXX Acct # XXXX and they are in violation for on multiple reasonings. According to 15 USC 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXXXXXX XXXX, local time at the consumers location ;. They have called my number numerous times consistently back to back while I have been either at work or resting for work which has interrupted my rest which ultimately affected my work production. I did not give them permission to contact me nor furnish any data on my report and they are in violation in which I will and am entitled to get {$1000.00} per violation. I have evidence below with the calls they have done and some in the past as well

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: EQUIFAX, INC.
State: PR
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:
In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my XXXX complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. XXXX are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified XXXX, XXXX, Trans union but haven't got the any answer. XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe 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 2023-02-18
Company: Experian Information Solutions Inc.
State: WA
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:
The Data Furnisher named XXXX XXXXXXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with EXPERIAN whom is a third party as it relates to account number XXXX. The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXXXXXX XXXX XXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosures were ever provided to the consumer so no opportunity was ever offered. Therefore EXPERIAN is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences. Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. Please be advised that a copy of this notice has been mailed via XXXX certified mail return receipt.

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 2023-04-06
Company: EQUIFAX, INC.
State: MI
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX  XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. 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 regard 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, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2022-12-27
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I get back to too back phone calls from my bank, but the claim they dont call people then I proceeded to answer this phone call. I answer this phone Call remind you I am at work in XXXX Arizona. The person on the other line did everything that chime does ask for my name and last for of my social so I did what they ask the person on the other line see you tell me that someone was trying to break into my account that we needed to follow some steps to make sure they didnt get into my account I said thats fine so they did what they did. ask me a few questions and then I got off the phone with them when I got off the phone with them. XXXX minutes later I checked my bank account and my money is gone, so I called them back talk to some lady on the phone and she tells me they couldnt do nothing until after the transactions werent pending no more to call back after they got done painting so the next day which is XXXX, XX/XX/XXXX around XXXX the transaction werent longer pending so I deal with the lady said and disputed the charges within an hour. After disputing charges I could email from them saying there was no error that my phones will not be given back to me so I called them back. They told me they were re-open the case and I will look into it. I said OK within an hour of getting off the phone with them. I get another email saying no error has been found. No refunds will give them back to you. So I called them back when over everything again the agent told me that something doesnt look right and the well put special note. Got off the phone and with a hour got another email say no error has happened and no refund well be given, so I called them back at this point its XXXX XXXX  on XX/XX/XXXX talk to another agent and he proceeds to tell me to send documents proving my statements so I did sent documents of the call. Log the text message of me, refusing these transactions and my paystub showing that I was in Arizona at the time and date. Then within hours got another email say no error was found, called them back went through each documents with a supervisor of the dispute team her name was XXXX and she said it looks like fraud. That she would put in special note in my case. I get off the phone with her at XXXX XXXX  at XXXX XXXX  get another email say no error has happened so no refund well be given. So called them back they went through the same thing and the opened my claim again and to write a email to the support time stating my claim that what I did with in a hour got same email. These people took XXXX transactions happened in XXXX Florida  well I was in XXXX az and like I explain to the people one of the charges were at a gas station, so how can I physically be in XXXX Florida making a purchase at a gas station with my card that I have on hand I am in XXXX Arizona.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: VA
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:
In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XX/XX/XXXXand inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.

Company response to consumer: Closed with explanation