BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX HEY! FIX THIS XXXX NOW! 

Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: AFNI 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:
Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as transunion. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My credit report only shows my XXXX ( old ) driver license as cancelled. I am now a resident of XXXX and have a XXXX drivers license. I believe this is the reason why my XXXX drivers license shows up as cancelled. My issue is that the company I work for ran a background check on XX/XX/XXXX ( checkr ) and do to the fact that ( XXXX ) my jobs primary responsibility is driving they have fired me on XX/XX/XXXX I contacted the credit report company ( checkr ) and submitted my XXXX  drivers license but I havent hear from them. I also contacted the company I worked for ( XXXX ) and explained the issue along with my XXXX Drivers license. I checked DMV records and everything seems to be in order. The background check company just havent update their records and I dont know what else to do. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Mr. / Ms , the object of my complaint is the fraud department and customer service department of Citibank. After I opened my company account at the XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ca,XXXX, citiXXXX XXXX XXXXn XXXX, my account was frozen. 
After the certificate I provided and their review, it was confirmed that there was nothing wrong with my account and they agreed to unlock my account. 
But to this day, I still can't withdraw money from my account. 
They always have a lot of reasons to tease me. The customer service department asked me to go to the branch to withdraw money, but when I got to the branch, they asked me to call the customer service staff. 
Their two departments, including the branches, have been passing the buck back and forth and refused to give me back my money. 
I have to talk to them on the phone for two hours every day. 
I ask you to help me with this problem. Please, I need this money to live. 
Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21

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 2017-12-07
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NV
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Consumer Portfolio Services, Inc.
State: NC
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:
I recently checked my credit report and saw that CONSUMER PORTFOLIO XXXX located at XXXX XXXX XXXX XXXX XXXX, CAXXXX ran my credit and that inquiry brought my credit report down and I am now concerned that my identity may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSWORLD SYSTEMS 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 belongs to someone else

Complaint:
Transworld Systems popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

XXXX XXXX popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 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 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXXXXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 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.

In accordance with the Fair Credit Reporting Act SYNCB/QVC has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 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 2022-04-12
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Reporting act XXXX  account XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX 30 60 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX # XXXX 30 day late payment, XXXX XXXXv acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX fXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

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

15 U.S.C. 1681 604 A section 2 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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX Balance : -XX/XX/XXXXBalance : - XXXX XXXX Balance : {$4100.00} XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXXXX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX :XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}

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 2023-02-28
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
NetCredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked NetCredit who loans money through many out of state banks such as XXXX XXXX  and Enova, etc. to allow me to lower my interest rate to the appropriate SCRA rate of 6 % and sent them my XXXX XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. 

III. The 36 % Rate Cap Today A. XXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. 
First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. 
The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. 
B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over 35 jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
There is too much unacquires on my credit report. Fraud from following companies 1. 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 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 This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text message that my CHIME BANK ACCOUNT phone number had been changed to a number I do not recognize. I have had CHIME since 2018 and have never, ever changed my information. I spent 45 minutes attempting to get back into my account, which I was able to do with my email address only. 

Once I was in my account, I saw ALL OF MY FUNDS had been transferred fraudulently to a different CHIME account. ALL OF MY MONEY. I called Chime immediately and filed a dispute. They told me that it can take 45 business days and that I'm eligible for a provisional credit but not for TEN BUSINESS DAYS. This is all the money I have in the world and I am unable to feed my family or pay my bills. They will not do anything beyond this to help me. I have filed a complaint with the XXXX as well as a police report as they can see the EXACT chime account it went into along with the person 's name and ACCURATE information. 

They dont seem to care that I am an actual person and this will deeply affect my life and my ability to care for my family. 

I NEED MY MONEY BACK! THIS IS MY LIFE!

Company response to consumer: Closed with explanation