BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED ON MY ON MY VISA CREDIT CARD FOR SOMETHING THAT I DID NOT AUTHORIZE ON XX/XX/09 FOR XXXX .. I CALLED VISA SEVERAL TIMES IN XX/XX/2009 WHEN THE CHARGE WAS ON MY STATEMENTS AND THEY NEVER DID ANYTHING TO HELP ME. I HAVE BEEN CALLING IN TO THEM EVER SINCE AND THEY ARE NOW TELLING ME THAT THE CHARGE IS TOO OLD AND THEY CANT HELP ME. I DONT UNDERSTAND HOW THEY CANT WHEN THEY SHOULD HAVE IT DOCUMENTED THAT I HAVE CALLED IN THE PAST AND THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO NOW. I SPOKE WITH A REP NAME XXXX XXXX XXXX XXXX AND SHE WOULD NOT PUT ME TO THE MANAGER BUT JUST KEPT SAYING THAT THEY CANT HELP ME.. SHE WAS VERY NASTY ALONG WITH THE OTHER REPS I SPOKE TO. THIS IS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY CONSENT. PLEASE HELP ME TO GET THIS MONEY BACK. I LIVE ON A FIXED INCOME AND CANT AFFORD TO JUST LET THIS MONEY GO. I HAVE BEEN PAYING MY BILL AND IM SURE THE BALANCE FOR THIS TRANSACTION HAS BEEN PAID BY NOW BUT I COULDNT JUST LET IT GO THAT WOULD BE ON MY CREDIT AND I DO NOT JUST LET BILLS GO TO GET A POOR CREDIT REPORT. IM SURE YOU UNDERSTAND THAT BECAUSE VISA DOES NOT. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE

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 2023-09-06
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MN
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I wrote a letter to Ability Recovery Services asking them to validate the debt they say that I owe. I sent a certified letter to them and it was received and left with an individual on XX/XX/2020 per the USPS tracking. They responded and sent back verification which is not what I requested. Per the FCRA, I have a right to request VALIDATION, which is documents that bear my signature binding me to the debt they say I owe. They never sent anything bearing my signature. Per FCRA, they must do this within 30 days or the item must be completely removed from all reporting bureaus. 

Please see my attached letter asking them to VALIDATE not VERIFY. Again, validation bearing my signature was never received. I have a right to have this negative item deleted from all my reports and I am requesting that this be removed ASAP as the law allows 30 days for removal. 

In addition, if you are a collection agency, you have to be licensed in the state where the debt incurred to even be able to collect funds from someone. Per XXXX, Ability Recovery Services , LLC is not licensed in the state of IL to collect on debts. 

These are two ( 2 ) reasons that I am asking this debt ( and anything associated with this company ) to be completely removed from all credit reporting agencies asap. 

Failure to do so will result in me exercising my legal right to pursue action against them.

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 2018-03-06
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS TRANSUNION WILLINGLY REPORTING THEM IN DIRECT VIOLATION! TRANSUNION has responded they VERIFIED the accounts past XXXX days THAT I NEVER DISPUTED TO BE INCORRECT there for TRANSUNION conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND TRANSUNION UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED

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 2021-08-19
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have informed numerous times verbally and in writing, Aargon Agency not to contact me. I do not have an account with this company nor do I owe a debt. Aargon Agency has I do not wish to be contacted about this alleged debt any further except to be notified that future collection efforts are terminated. 

I have kept accurate records of all phone calls and voicemails from this company, and this is my formal complaint for violation of my consumer rights. One the following dates, I have received messages left on my personal phone voicemail : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  I have requested phone records of the number of calls in which I have answered. 

I am demanding cease of ALL communication, including deletion from any and all consumer reports, payment for the above noted violations, and confirmation of this remedy in writing within 15 days. 


Thanks

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
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:
Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2019-09-23
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX, 2019 i used my NetSpend prepaid debit card to purchase a cell phone from XXXX wireless in the amount of {$53.00} that was taken out of my NetSpend account the same day but the following day the order was cancelled due to the fact that the cell phone was not in stock. I contacted XXXX and advised them that I have not received any refund and was advised by a supervisor at XXXX to file a dispute with my bank or card co. I then called NetSpend and filled a dispute. On XXXX XXXX, 2019 I was informed by sprint byway of email that the refund was approved and was sent back to NetSpend. On XXXX XXXX, 2019. Today is XXXX XXXX, 2019 and the money is not credited back to my account nor made available for me yet. The Policy at NetSpend for refunds is that any money refunded would Post to the account and made available within 3 to 5 days after receiving the refund. NetSpend has advised me that the money will not be available to me until XXXX XXXX 2019 completely against the policy and procedure written by NetSpend.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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. 

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 inructions 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 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 2021-05-02
Company: Vericred Solutions LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company refused to show me the correct amount own, they sold the car and have not show me the amount they sold it, so they are trying to collect the same amount twice. 
they refused to show me document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Chase Sapphire Reserve credit card. I have been a customer of Chase since XXXX. I was charged a late fee for missing payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have always been enrolled in autopay since XXXX. I called up their customer service team and they found that autopay on my account got disabled due to technical issues on their system. The customer service agent re-enabled auto-pay and my payments went through. The customer service agent also reversed late fees and interest fees on my account. However, he failed to update the payment history. This has been getting reported as a missed payment to credit bureaus since XX/XX/XXXX. I recently got my credit report in XX/XX/XXXX for a rental application and found this reported missed payment. I called Chase credit services team on XX/XX/XXXX and they reviewed my account and the notes on my interaction with the customer service agent on XX/XX/XXXX and found that the agent failed to update my payment history. They agreed to fix this issue and send the updated status to credit bureaus. 

I pay {$450.00} as the annual fee for owning this credit card and availing Chase services. Their failure to report the correct payment history to the credit bureaus impacted my credit score significantly which led me to pay more on mortgage rates, insurance premiums and my rental fees for the past 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a complaint with Transunion on XX/XX/XXXX regarding an account on my credit report listed as XXXX/Acct # XXXX. My dispute obtained information stating that the account was over 3 years old and it should be removed due to the statue of limitations in SC is 3 years for debt collection. The response from Transunion was " Verified as Accurate '' ( see page 2 of my attachment ) I did a little more research and looked thoroughly at my previous credit reports ( see attachment ) and found that at one point the same account was listed as XXXX/Acct # XXXX ( see page 4 of the attachment ) and it was deleted from a prior dispute and at that point the information was listed as XXXX with the same account number and possibly XXXX. I took another look at my Transunion report with an issue date of XX/XX/XXXX, the same account # under a different name ( see page 7 of the attachment ) I need this information to be corrected, updated, and deleted from my credit file and sent an updated report to reflect the changes. Thank you for your assistance with 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 2021-02-05
Company: AES/PHEAA
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:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with non-monetary relief