BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX, and XXXX XXXX XXXXXXXX  # 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 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}

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 2023-06-28
Company: Affirm Holdings, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to submit a complaint regarding the company XXXX and its affiliation with XXXX XXXX. I recently received a debt collector 's notice on XX/XX/2023, indicating that I owe {$2000.00} to XXXX through XXXX XXXX. However, I believe that I should not be held responsible for this payment, and I would like to present a compelling argument based on my email communication with XXXX. 

On XX/XX/2023, I emailed XXXX at XXXX, explaining my situation and expressing my inability to continue the course due to unforeseen circumstances. I stated that I had been involved in a car accident on XX/XX/XXXX, which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently undergoing XXXX XXXX for these injuries, and it is uncertain whether they will permanently or temporarily impact my daily life. The accident has also profoundly affected my XXXX XXXX, plunging me into a XXXX XXXX. 

The debt collector 's notice I received on XX/XX/2023, was the first correspondence from XXXX or XXXX XXXX since my initial emails. I expressed my hope that I could halt my progress in the course and cease being charged, considering my inability to work due to my injuries. 

In my communication with XXXX, I outlined that I had enrolled in their program enthusiastically, as I am genuinely interested in the subject matter and courses offered. However, my physical and mental health conditions have significantly impacted my ability to continue. I am currently undergoing therapy for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which causes considerable pain when using a computer or typing for extended periods. This, in turn, has affected my motivation and time management. 
I made a sincere request to step back from the course without facing any financial repercussions. I emphasized that should I decide to pursue a career in XXXX XXXX in the future, Avocademy would undoubtedly be my preferred choice. I suggested that XXXX reconsiders its policies and adopts a more compassionate approach to individual circumstances, as treating everyone equally does not mean treating everyone the same. 

Additionally, I mentioned that I have already contacted XXXX, the payment platform associated with XXXX, to dispute the remainder of my payments. I provided them with our email correspondence, medical documentation, and the accident report as evidence. I have also engaged the services of a lawyer to pursue compensation for my injuries, car damages, and pain and suffering. I am currently unemployed and unable to receive unemployment benefits due to being classified as " XXXX. '' I would like to express my deep appreciation for your attention to this matter and for considering my request for an exemption from payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2019 I sent a dispute to TransUnion due to 32 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts, and unauthorized inquiries. A closed or collection account can not also be past due, that a violation of my rights. On XX/XX/2019 I received a response stating the inquiries will remain. On XX/XX/2019 I sent another request for validation in response to the letter I received on XX/XX/2019. And on XX/XX/2019 TransUnion were updated and remained. 

On XX/XX/2019 and XX/XX/2019 I mailed a request to TransUnion asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer 809 ( b ) cease collection and communication of debt until  verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

TransUnion has continued to violate my rights. First by ignoring my valid request of validation from which Im entitled to by law, on all three occasions of me asking. Second, they continue to violate my rights with each validation request Ive sent TransUnion updates these accounts to a paid late status on 30+ accounts which are reporting as closed. Mind you none of these accounts have been validated but TransUnion updates late status on closed accounts which is a direct FDRCA violation.

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under FCRA611.

Since TransUnion did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed items in question. Please have them comply with the law and my rights by having these disputed accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

the following personal information is incorrect I demand that the following personal information be DELETED immediately 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, PA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer 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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2017-07-06
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I can not understand why I have to pay American Education Services {$17000.00} for  XXXX  {$3100.00} private student loans. I pay {$81.00} a month, and the balance keeps increasing. I am on  XXXX  and just received a notice from AES that the interest rate has changed, therefore the payment willl increase from {$81.00} per month to {$83.00} and that when the lo an ( s ) is  paid in full, I would have paid almost {$17000.00}. Is this a payday loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. Ally Financial : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.

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 2019-09-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2022-04-13
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-09-13
Company: Genesis FS Card Services, 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:
Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this one also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express Credit Card - Standard monthly payment on the XXXX of every month - On the XX/XX/XXXX, multiple fraudulent payments to balance were attempted. Amounts were : {$4500.00}, {$4500.00}, {$3200.00}, {$4000.00} - Amounts did not clear my bank, and were sent back as return payments. 

- As a result of 4 return payments, credit limit was lowered from {$12000.00} to {$7700.00} - Additional fraudulent payment of {$7500.00} was scheduled on the XX/XX/XXXX, but was canceled ahead of time by me. 

- Fraudulent bank account was added to my account on XX/XX/XXXX - Called on the XX/XX/XXXX to American Express, assured by agent that the payments ( then unknown as fraudulent ) were not actually taken out. No other resolution - On XX/XX/XXXX after receiving notification of additional {$7500.00} scheduled fraudulent payment, called 4 separate departments to American Express, who helped me figure out the payments could be fraudulent in order to gain access to the immediate credit on my account following a payment. They gave me two options to attempt to restore my credit limit : - Submit proof of wage documents to start a credit limit raise application, told by Customer Service that this was likely to be denied due to credit score and outstanding debt -Pay a sum of around {$3800.00} by XX/XX/XXXX, which was the difference between my previous credit limit and my newly lowered limit -Passwords and information changed securely on the XX/XX/XXXX. Do not believe fraudulent activity will continue

Company response to consumer: Closed with explanation