BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: LCO Financial Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have been the victim if identify theft and fraud and can not seen to to undo the results of this as it pertains to crimes relate to payday loans. 

I believe an intermediary was used with my identification to see what " hits could be found '' in reguards to a quick payday loan. : I have recieved emails from the following intermediary but have been unable unable to make contact with them as their phone line is only useful for loan application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, FL XXXX ; ( XXXX ) XXXX I subsequently recieved communications from payday loan vendors associated with tribal affiliations. 

One was a loan application which was ( fortunately ) denied on XX/XX/018. 
XXXX, XXXX Also goes by XXXX., an economic arm of the XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MT. XXXX. Phone ( XXXX ) XXXX XXXX XXXX A police report has been filed on XX/XX/2018 and will be sent to them requesting all date be expunged. 

The initial payday loan vendor was Blue Loan Trust, who did a " soft credit '' check and approved a loan and has been calling me since. I have filed a police report whic has been sent and the Blue Loan has yet to aknowledge the fraudlent loan and contiinues to call me and send emails.They have not been helpful and have withheld information. My credit has been blocked, so it is disturbing that they approved such a loan. 
The are part of : Hummingbird Funds , LLC an ecomnic development arm of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Mail : LCO, XXXX XXXX, XXXX, WI XXXX, Customer services : ( XXXX ) XXXX FAX : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CALIFORNIA RECOVERY BUREAU, INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX XXXX  by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by XXXX  XXXX XXXX that the social security checks and the XXXX checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at XXXX  XXXX XXXX told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent five letters to Experian asking them to validate a collection account that is being reported on my credit. The account in question is XXXX XXXX. I have asked Experian to remove this collection off of my account due to the fact I have no signed contract with this company. This particular collection account was previously listed on all 3 bureaus, however XXXX and XXXX  has since removed this collection off of my credit report due to the fact it couldn't be validated. I am just requesting that since 2 out of the 3 couldn't validate this account how could Experian. Experian keeps sending me a generated template but not the information request asking them to provide with a name of person spoken with, for example in order to validate this account. I have proof that XXXX  has removed this collection. XXXX has also

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 2023-03-27
Company: Westlake Services, LLC
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 information incorrect

Complaint:
This was paid in full by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on 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 explanation
Consumer complaint received 2021-12-25
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NV
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:
Greetings, 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. This account from XXXX XXXX XXXX XXXX ( Alledged balance of 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. 

I have reason to believe that this debt is invalid as I was never hospitalized in XXXX, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.

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 2022-09-18
Company: Sezzle Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. 
They continue to report a balance of {$150.00} when this has been paid of. 
I have written to sezzle with no resolution. 
Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2.

Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I asked XXXX XXXX XXXX account number XXXX for a investigation with my local attorney general office to look into my investigation because under 15 U.S.C Sec 1681 ( a ) all inforation should be 100 accurate and never received proof of investigation and I was sent information thst the account was in fact deleted and when I UPDATED MY CREDIT REPORT THE ACCOUNT WAS STILL THERE.I have proof from attorney general office of that I attached.

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 2023-03-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: MS
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:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Continental Finance Company, LLC
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had this card for a awhile the XXXX card with Celtic Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

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 2023-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed several accounts with XXXX in XX/XX/XXXX. Upon supposed completion of the investigation 2 accounts wer updated erroneously. I have called on XX/XX/XXXX asking them to correct this and the representative provided no assistance. XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payments for multiple months all the way up to XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. XXXX XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payment in XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. I also requested review of the account XXXX This account is not reporting accurately and has since been deleted from my reports with other credit bureaus but XXXX did nothing. 

There is also collection account for XXXX XXXX XXXX in which I have disputed because this is not my account and they have provided no validation that this account belongs to me whatsoever I have never had any contract nor agreement with this company and they have not been given my permission to report anything whatsoever. Ive asked that this be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had made a chime account and had instantly transferred money over to the chime account from my bank account. I later received an email that my account had been closed with no explanation. So because of this my money is now stuck with chime because I had never received it back in my bank account. Ive now had to go back and fourth in email with them about 20 different times now with it going absolutely nowhere and getting no explanation of how and when I would receive my money back. I had provided them all the documents they requested from and still got nowhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX yr customer of American Express with excellent payment history. I received an email on XXXX advising me that my payment was past due. I am very protective of my above XXXX cb score and shocked as I was not aware it was due, so I paid it immediately on XXXX ( balance was {$65.00} XXXX late fee ). I was somehow assigned to e-billing which I have never wanted and have requsted in the past that I recieve paper billing. I called American Express on XXXX and requested consideration for a XXXX late fee waiver under the circumstances and was denied. 

I went through my emails and I did not receieve an email prior to or on the due date only 3 days later when the late fee was assessed. I have notified Amex in the past that I do not want ebilling as its too easy to miss a statement with all of the junk emails they send. 

I feel that they intentionally want ebilling in hopes that they can generate these excessive late fees. I have also noticed that some cards put the placement of their ebilling requestes in popups on pages which are very deceptive and easy to click kin error- not stating that Amex does this specifically, but Im sure they all do. 

I am simply requesting the late fee waiver which is excessive for a XXXX balance as a long term customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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. All of accounts reported by credit reporting company have 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 explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, XXXX, ANE EQUIFAX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

Company response to consumer: Closed with explanation