BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: OH
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 # 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 XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: OH
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. 

XXXXXXXX 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 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: NCB Management Services Inc.
State: SC
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 sent XXXX and XXXX and XXXX  letters to valdated and debt with an debt collector no ones reponded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone wired me money to get back and forth to work on this day i thought my funds would be available in 24 hours now i wont be able to make it to work i have no cash all my money is on the card this is the reason i dont deal with banks I'll rather have cash its always a issue with these banks people work i cant even go into the bank because they dont open on weekends this is some straight XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed Experian a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the XXXX  and Transunion XX/XX/XXXX and XX/XX/XXXX. Both XXXX and Transunion failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Although I have requested this information be investigated on numerous occasions the status of the last date updated with XXXX  was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. XXXX  is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to 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 2021-08-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I overpaid my JCP acct by {$380.00}. I called to cancel the card and ask the {$380.00} balance be refunded and was told in order to do so I would have to agree to going on a website and be video recorded with a government issued ID!!! XXXX?!! My social and address have not changed- this is an invasion of privacy and it potentially leaves me open to identity theft!!! Wrong, wrong wrong! 
I am notifying XXXX as well since Ive made my payments via their online bill pay for years!! I sent a letter to the FL attorney generals office as well- they have absolutely no right to request anything of the sort- especially if they corporately are not going to assume financial liability if my identity and that of others is compromised via this third party! I want it stopped and I want my overpayment returned 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 explanation
Consumer complaint received 2021-08-02
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well I was trying to log into my accounts and current bank does sound kind of closed on me or they suspended my account so I didnt know the reason why so I had use their support line online and talk to them through there and asked them why my account was suspended they didnt give me a reason why my account was suspended. Its been quite some times like a month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MO
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:
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2023-07-01
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from XXXX XXXX XXXX XXXX, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX  date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've had a terrible experience with Apple Support with an Apple Pay in app purchase refund. 
Upon XX/XX/2023, XXXXXXXX XXXX XXXX I had some purchases that came through to my bank from the apple XXXX and I noticed my funds going down XXXX dollars in under a hour or so. 
I've given permission to my child in the past to use the apple XXXX but not by this much after scolding him for such reckless degenerate behaviour I became immensely worried as this was simply too much money wasted way too quickly. 

I thought to myself why does APPLE not flag these purchases at all and deny them? 
I'm not wealthy by any means and so having that much money disappear from my bank account that fast is just something that has caused me immense financial difficulty. 

I had looked up ways to recover my funds i thought at first of going to my bank but realized that apple must have some way for customers to be refunded for virtual content purchases. I've heard horror stories before from games like fortnite where kids would spend thousands of dollars and place their parents in debt with charges that'd never be refunded from lootboxes and other virtual content so I was worried this would be a similar situation. 

I contacted apple support under 1 and 2 hours immediately after these purchases for a refund. 
exact date and time I had contacted them was Mon, XX/XX/XXXX, XXXX XXXX so I was within a reasonable timeframe for a refund. 
as the purchases were made XX/XX/2023, XXXXXXXX XXXX XXXX It should've been rather simple for apple to rollback any purchases made instead I had several days of my time wasted by their support in which time I've been in the red on my bank account. 
the fact that their support takes an insanely long time to resolve trivial issues like this says something alot about them and their total disregard for the customer. 

This mind you was the first time in my entire life I've ever been through their refund process. Perhaps they discriminated me because of my foreign sounding name? Or simply just didn't care enough whatever may be the case I'm extremely angry at how they've handled my case. 
Apple in app purchases shouldn't EVER have a refund denied if its done in a timely manner especially for someone first time especially in the case of lootbox/virtual content that has no tangible nor material presence. 
i've literally lost money because of pixels on a screen and apple simply can not just rollback all of the content? 
give me a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against Lexus Financial who is financing my car loan. First lets start with the high interest rate I was given 14.9 % which later this high interest rate was part of a class action lawsuit. I paid this loan for six years in good standing and my credit report shows this ... I paid down to the last payment which was the maturity payment a big ballon payment deriving from high interest and deferred payment. Now thru this pandemic I was not given any special help due to the pandemic. I was furlough in XX/XX/XXXX and was laid off in XX/XX/XXXX due to the pandemic so I was told this maturity amount of {$4000.00} was due by XX/XX/XXXX. I was told I could pay this out and dont have to worry about paying all this off by the due date as long as I continue to pay every month. I was not told that each month I carry this balance this would be reported to the credit bureau and would affect my credit. I spoke to an executive in the CEO office and was told that the Rep I spoke to stated they would coach that individual because the representative fail to provide me with all the necessary information I needed that I could have had a different outcome. Now due to the negative reporting to my credit it has placed an unpreventable financial hardship during this pandemic. This egregious treatment from Lexus also violated my consumer rights under FCRA surrounding the accuracy and fairness of what is being reported to the consumer credit agencies by Lexus Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, I had contacted Chime, or XXXX XXXX and sought to request a reversal for the past payments I have made towards my car payment. Im in the middle of civil litigation against a dealership I purchased my car from. Due to violating several laws and statutes in the state of Texas, the dealer has had their license revoked. This final order was issued in XXXX of XXXX. There is a provision issued by the Texas Department of Motor Vehicles which informs consumers of the right to cancel and remove any existing lien on a vehicle if the dealer has closed. The dealer I am seeking relief and removal of lien has had their charter forfeited, and dealer license has been closed. As a consumer it is in my best interest to begin securing my financial investments, as I had been sold a vehicle with multiple mechanical failures. As required, the Texas regulator specifies that a vehicle owner must include a letter on department letterhead that states the dealer 's license has closed, thereby making my effort to remove lien permissible. When I inquired to Chime ( XXXX ) about my ongoing legal battle, the Chime representative informed me that they could not recover or investigate claims of disputes further than 60 days. The conversation ended quickly. I later receive a notice by email stating that my Checking, Savings, and Credit card accounts at chime will be closed within a short time frame. This is unwarranted, undesirable, and very frustrating. I should not be threatened of account closure for raising a concern. Furthermore, to close any of my existing accounts would only compromise my financial security and wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.

Company response to consumer: Closed with explanation