BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-25
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My card was lost with other personal documents and when I realized that was lost i check my balance by the automatic system and the card was being used butat that time I still have more than half of the money I had in the account I tried to contact this bank and they was closed by phone custumer service I also tried to report the card lost by the automatic system and wasnt able to do it was receiving a error next day morning when I called custumer service all the money in my account was gone all the money in the account was already used I spoke to custumer service and they said is nothing they cant do just do a dispute that takes 10-40 business days and i wont receive neither a temporary credit or credit till the investigation finish I trust in this bank depositing a money that was for an emergency travel and this bank failed me allowing an unkown person to withdraw my money and doing multiples transactions in one day that cause me to lost XXXX dollars and also who ever have the card enter a pin invalid unumerosous times as custumer service told me how is that possible that the fraud prevention do not block the card immediately and how is possible that custumer service do not provide help 24 hours in a bank I feel engaged by this bank and used i also would like to advise any other consumer about this bank safety

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove the information listed on my FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: WI
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 in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 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.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : 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.C 1681c. ( a ) ( 5 ) Section States : 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 explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022. I mailed a security freeze request form along with a copy of my current Driver License to DataX at the underlying address. 

In response from the company I received a letter stating that a copy of my driver license is required in order to properly proceed. 

I maintain copies of all letters with documentation sent. 

DataX, LTD. 
XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was sent a letter with a fake case number and logos impersonating a government agency. I have never been a customer or done business with Franklin services. This is illegal and a violation of multiple fdcpa laws including attempting to impersonate a government agency using former President Franklin face as a seal. The letter states I have a open case aswell as a case work and I need to contact my attorney regarding potential remedies and to discuss my defense. " XXXX # XXXX '' amount they are attempting to extort is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
For the last two years my account has been hacked and funds taken out by various companies, all except one I have never heard of. I have detailed each charge and dates in the attached documents upload as they are too numerous to list here. These charges started in XXXX and continued until recently in XXXX ( XXXX ). I had not realized these charges were being taken out until I started tracking my account activity after the latest disputed charge and even one dispute at the beginning of XXXX that also caught my attention and I disputed it and it was denied. What made this denial incredible is my dispute on this same merchant was upheld a few month before in XXXX. Whenever I see a charge I don't recognize I report it and file a dispute and the bank is supposed to investigate it but I have little confidence with the lack of time that was spent investigating these several charges that it was thorough and complete. I even had 3 companies refund charges to me as much as they could because they realized the charges were false and said the bank would have to do the rest of the refunds by contacting them but the bank didn't recognize that as proof either and denied some of the disputes and didn't recognize the or address the others. All is documented and presented to you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've disputed with Experian on XX/XX/18. I did a follow up with dispute letters and a call on XX/XX/18. I explained to the representative that the collection accounts were not mine, but I received no help. I sent this letter and made the call in regards to the inaccurate information reporting on my report. Today 's date is XX/XX/18. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. I have collections on my account that have been hurting my credit score and I want them removed immediately. The FCRA gives the company 30 days to respond, I have not gotten a response.

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 2023-08-22
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: Account information incorrect

Complaint:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from 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 2022-12-30
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX my mom took over an agreement of {$100.00} to keep my car from going to repo, to include thats also over the reason has been negatively affecting my credit. I was XXXX I have documentation upon release. No third party without consent from the leaser should have made proceeded due to non communication, no understanding, no break down of what only a payment of {$100.00} when the agreement was {$410.00} monthly so all charges was a build up. XXXX is the passed due balance which is negatively affecting my credit. How can I go about any progression for this? Thank you, 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 2023-06-02
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: CA
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 filed a dispute with Equifax on XX/XX/XXXX, and this was for XXXX XXXX XXXX there was a balance and was sold to another collection agancy XXXX XXXX, I cleared XXXX XXXX XXXX payment and they told all 3 credit bureau to delete the record from my Credit report, all 3 beaureau did delete including Equifax, but only Equifax is showing one month deliquency of XXXX XXXX XXXX opened in XXXX in making payment XX/XX/XXXX, the payment to the XXXX XXXX  was paid in XX/XX/XXXX, so XXXX   XXXX XXXX is a closed account when sold to XXXX XXXX, XXXX and XXXX have deleted XXXX  XXXX data from my credit report anf history and nothing showing a deliquency, I also called XXXX XXXX XXXX to inform the beareau, they sent a letter to all 3 beaureu to delete the record that was way back from XXXX, only Equifax is not heeding to the letter from XXXX XXXX sent to them and deleting it, it ; s discrepancy, I have evidence from XXXX XXXX the letter and audit number sent to Equifax, also XXXX XXXX payment made, and not being shown in other beaureu report but only Rquifax as deliquient since XX/XX/XXXX, Please contact Equifax for fair reporting and delete the deliquency that is never delequient as mentioned by the bank as well, Equifax dispute confirmation number is XXXX dated XX/XX/XXXX, this is my second time disputing it, my credit score they dropped by 45 points on XXXX XXXX during this dispute, thay asked me to send another document with another dispute which I am not disputuing but only for send the doc as attachment, conf numberXXXX XX/XX/XXXX ( not disputing but for sending document as attachment for previous dispute XXXX as told by Equifax customer service over the phone ) ( I also currently have XXXX XXXX XXXX credit card nelwy opened since XX/XX/XXXX and being paid every month without any dues ) Equifax also placed FRAUD ALERT withour my consent, " You have an extended fraud alert in place until XX/XX/XXXX. '' Thay are giving me lots of trouble asking me to send lots of personal documents and even police verification, I NEVER AUTHORIZED FRAUD ALERT, XXXX and XXXX never placed any ALERT on my Credit file. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: BARCLAYS BANK DELAWARE
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, someone used my credit card to purchase {$1000.00} from XXXX. They used my billing address, phone number, and shipping address to place the order. 

After the order was placed, they had the shipper redirect the order to a new person and location. 

I reported the credit card as stolen, and the credit card company gave me the credit and sent me a letter acknowledging the dispute. Several days ago, the credit card company put the charge back on the card because the merchant said I ordered the merchandise. 

I contacted the credit card company about the charge, and they are taking the side of the merchant. They will not let me reopen the dispute and are keeping this charge on my account, accumulating interest. 

I contacted the merchant again this weekend who sent me an email today confirming that this order was rerouted from the merchant, but the credit card company has offered no method to escalate this. This is right before XXXX, but I can't purchase anything now because of this huge ( to me ) charge on my account.

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 monetary relief
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: IN
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:
Hello, my name is XXXX XXXX. Today I would like to write a complain about my problem. I lost my wallet and lost XXXX XXXX credit card. When I discovered 2-3 days later and called to disputed all of them with the wells fargo XXXX XXXX bank XXXX then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave reasons are : First, the merchant verified your personal information, which include name, address, phone number, email, card expiration date. Second, Why did you call and report it in two days?. Third, how did you lose your information?. Fourth, you did respond to confirm the email to the merchant which is the same primary email address that we have on file.

-In my opinion, from my end, I NEVER receive any phone calls, NEVER reply or confirm any emails from this merchant. No packages arrived.!! 
- My questions are : what day and what time did the merchant called me? Called to what phone number? 
- Which email address did they asked to confirm? Is it my profile primary email address? 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XX/XX/2022 in the amount of {$960.00}

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 2021-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
Ive had an ongoing issue with Experian and there lack of investigating disputes theres an account from XXXX thats still reporting on my credit eventhough Ive told Experian a thousand times its not my account. XXXX and XXXX have removed the account but its like Experian has a loyalty to the agency. Not to mention each time Ive contested this account Experian reported my late damaging my score why? Because I want them to honor my rights as a consumer this accounts doesnt belong to me please remove.

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 2021-05-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name XXXX XXXX, I am a victim of identity theft and ive tried to reach out to XXXX XXXX and explain that i never took this loan out the person who took this out was my late tax prepare who later died she was in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 vears 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief