BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX someone from XXXX XXXX visited our home in XXXX selling different types of lawn treatments. My husband XXXX and I decided to go with the mosquito and lawn care since we were very happy with the pricing. We agreed to XXXX dollars per month for 5 months of mosquito treatments totaling to XXXX ( XXXX XXXX ) and paid as a pre-payment by credit card which we gave the salesman and was written on our contract. We agreed to 8 lawn care treatments that would be disbursed over various times/months. Which was XXXX per treatments totaling to XXXX also to be paid as a pre-payment. In total we agreed to XXXX of treatments to be deducted from our credit card. Well, that did not happen. 

In XXXX I spoke a CSR who tried to help me with my account because I noticed what we were being billed was not what had agreed to. He then proceeded to explain what I was being billed and that it was XXXX for lawn and XXXX for mosquito. I was incredibly upset. He said I would need to speak to a manager to get it resolved. I ended up speaking to someone named XXXX XXXX on XX/XX/XXXX who was very friendly at the time and advised me through email he had adjusted my pricing to the XXXX mosquito and XXXX lawn. He did not adjust anything to my account. I then emailed him on 2 other occasions and didnt hear anything. 

I continued to pay on my account until I reached the XXXX that I agreed to. However, I did end up over paying by XXXX. According to XXXX XXXX  I still own them XXXX, but I do not. I continued to get harassing calls from their collections dept. I requested to speak with a manager who can help me, they advised me that a manager was not available and will contact me in XXXX hours. No one has ever contacted me. I would call in and wait on hold and be sent to XXXX, unless I requested a new service prompt. Which I did and they still would not connect me to a manager. I have an excellent credit score, never late paying my bills. I only what is fair and that is to have this debt removed from my account. I trust that this service will see the truth. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-06-18
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: FL
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXXXXXX XXXX XXXX that I had set up autodraft on, but XXXXXXXX XXXX XXXXXXXX, due to their error, did not property process payment causing a late on a {$4.00} balance. They fixed it and refunded late fees. It was and had been fixed with XXXX and XXXX, but TransUnion was still reporting a 30 day late. I disputed this and they still didn't fix it, despite XXXXXXXX XXXX XXXX telling them it wasn't late. 
I disputed again, still not fixed. They have a latter from XXXX 's XXXX  showing NEVER LATE PAID AS AGREED, but refuse to correct it. XXXX, XXXX, and XXXX XXXX XXXX all show NEVER LATE PAID AS AGREED, but TransUnion won't fix their error despite proof, hurting my credit score. The attached letter from XXXX XXXX XXXX was sent to and is in the possession of TransUnion, so they are without excuse

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 2023-06-28
Company: EQUIFAX, INC.
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Chase on XX/XX/2020 at the branch in the address below : XXXX XXXX XXXX XXXX XXXX, LA XXXX The banker asked for my ID and XXXX documents and I provided the following : Drivers license, SSN, Passport, XXXX XXXX XXXX ( XXXX Form ). 
I received my XXXX card in the mail on XX/XX/XXXX and I deposited {$1000.00} in that account. 
On XX/XX/2020, I realized that all the funds have been withdrawn from my account. So, I called customer support and they told me their back office has closed my account ( without prior notice ) because my immigration documents were lacking and that I should receive my funds in a check through mail. 
I called their compliance team on XX/XX/2020. They went over my case and told me there was closing my account was a mistake and I should go to the same branch and open another account with the same documents. I went to the same branch on that day and asked to open another account as I was told. The teller refused to open the account this time after talking to the same compliance team. Asking for an additional document ( XXXX Form ) which is an application to register permanent residence. 
I believe I receive such treatment because of my nationality. I am an XXXX  citizen and I understand that XXXX is on the OFAC Sanctions list. However, I have lived in the United States for the last 4 years. Initially as a foreign student on XXXX XXXX and currently as an XXXX XXXX on an XXXX XXXX. I have had checking accounts with XXXX XXXX XXXX and XXXX which proves that this is not a general ruling and as an alien holding a valid visa status, I have the right to have bank accounts in the United States. 
I feel mistreated and discriminated against by the Chase Bank. Not only they disrespected me by closing my account abruptly and without prior notice, they bounced me back and forth when I asked for the reason. They wasted my time and caused frustration with their confusing and judgement-based policies. Lastly, as of today ( XX/XX/2020 ), I have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
XX/XX/2023, XXXX Experian Alerts XXXX subject : H***, your FICO Score has been updated ( Fico score ( R ), your score decreased. - linked image ) Email image in the body " See all alerts '' linked to my account login, and when I logged in, it ( directly ) lands on an Experian page soliciting product /service as quoted : " Upgrade Your Account '' " Try Experian CreditWorks Premium for 7 days for free, then pay just {$24.00} each month. You may cancel anytime if not satisfied. '' And my credit score was decreased one point and no explanation or information whatsoever in the " so called '' alert.

I am done with the scam. I want them to act accordingly their fiduciary duties to fair credit reporting and cease and desist of being the scammers themselves with such covert tactics of snake oil sellers/cross-sellers while holding the power to destroy my ability and power of purchasing/ordering services and products through their credit score reporting. 

Why they decreased my score XXXX point???? They are not supposed to be soliciting a product or service of their own in return of reporting to me my credit score change!!! IT IS MY RIGHT TO KNOW! That is a conflict of interest right there! And a scammy one, misleading at least!

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 2022-11-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : 1. Breakdown of fees including any medical charges and collection costs 2. A copy of my signature with the providers of service to release my medical information to them 3. Cease any credit bureau reporting until the alleged debt has been validated by me. 
I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. 
So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completly ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-07-08
Company: Account Resolution Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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