BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiryXX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry:XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im also aware of federal law definition of Charge off ( See attachment ). Im demanding Update my account as Paid as Agreed. 
If XXXX XXXX does not comply this matter shall proceed in Federal Court with prejudice!

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 2023-08-16
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX And equifax are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 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 for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, XXXX and Equifax. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: KEYCORP
State: OH
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:
I was advised by Key Bank to cancel my credit card and open another one, with a different number, to stop a fraudulent recurring charge. The customer service agent promised that " there can be no charges on this card number from this day forward. '' Shortly thereafter, Key Bank allowed XXXX XXXX to charge {$750.00} on the old card number. My XXXX XXXX account was on manual renewal, yet Key allowed it anyway. When I contacted Key to find out why they would allow a charge on a closed account number, Key claimed that I authorized the charge. I did not authorize the charge.

Key refuses to take any responsibility. This charge was not authorized, and ironically, when I talked to XXXX about the charge, they refused to refund, and they canceled all of my subscriptions. No subscriptions, even though they got paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX XXXX  XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2021-05-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been a loyal chime customer for quite some time but recently they sent me a two day notice that they would be closing my account. Now theyre has been no fraud in my account of any sort, my sister died a few days ago and I need my account but instead they are closing my account. When emailing and calling Chime no one could give me any reason on why my account is suddenly being closed which is ridiculous. I mean literally the support person told me for security reasons she couldnt tell me why my account was being closed but yet my account is being closed. Chime is a joke, please dont bank with them. I hear they are randomly closing a lot of accounts and oh its system generated so you have absolutely no control on trying to get it to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 aware of secti

on 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I had previously disputed one of the items an
d received a response from the credit bureau on XX/XX/23 " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See Attached )

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 2022-02-14
Company: U.S. BANCORP
State: ND
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:
Sir/Ma'am, I have a US Bank XXXX XXXX with multiple promotional balances with 0 % APR. The oldest 0 % promotion balance ends XX/XX/XXXX. The two other promotional balances end XX/XX/XXXX. US Bank card services said that their system applies the payment automatically and that they are unable to override the system. They also stated that the XXXX promotional " balance transfer '' balances ( due XX/XX/XXXX ) take precedence over the promotional " purchases '' balance ( due XX/XX/XXXX ). I now find myself in a situation where I am being forced to pay off the larger, more recent balances, in order to pay the older balance prior the the promotional cutoff date. I would not have made the balance " transfers '' if I had known that it would bury the older promotional " purchase '' balance.

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 2022-11-21
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, hasviolated 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.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
PHOENIX FINANCIAL SERV is damaging my credit. The medical debt I believe was a hospital bill through XXXX  XXXX over 5 years ago. The debt is very old, however, this agency keeps renewing the every few months to bring down my credit as if the debt is new. I want this debt removed as it has already been placed on my credit before. They just placed on my credit again in XXXX and now XXXX. Everytime they do this, it brings my credit down XXXX pts. I called the hospital and asked for a itemized breakdown of the services to support these charges of over XXXX. I never received it. I also had insurance in 2018. Which if these charges are valid, should have been billed to them. I want this debt removed, provide proof of debt of services in itemized breakdown, listing each cost they charged for as it was requested and never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX 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 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 2023-05-11
Company: EQUIFAX, INC.
State: CA
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:
This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: CA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 explanation
Consumer complaint received 2023-03-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Pursuant to XXXX XXXX the account balance reporting to the credit reporting agencies is not accurate. 

The amount of debt sold to XXXX XXXX XXXX XXXX is not accurate pursuant to XXXX XXXX testimony. According to XXXX XXXX, American Express seeks {$1000.00} American Express had sold the debt to XXXX XXXX XXXX XXXX and is seeking {$1400.00} According to XXXX XXXX testimony the amount that XXXX XXXX XXXX XXXX is seeking is not accurate pursuant to XXXX XXXX testimony to XXXX  dated XX/XX/2022 regarding the Hilton Honors Card with American Express. 

Pursuant to the FCRA AMERICAN EXPRESS IS NO LONGER THE CREDITOR AND HAS SOLD THE DEBT TO XXXX XXXX XXXX XXXX HOWEVER THE AMOUNT IS NO ACCURATE PURSUANT TO XXXX XXXX STATEMENT OF FACTS REGARDING THE AMOUNT DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
2 accounts were opened in my name of the same day through Bank Of America on XX/XX/2022. There is one charge for {$75.00} that I know of. There is supposed to a be a block on my social security number so that no one can open a credit line using it until I prove my identity first. I dont understand how a credit line was opened not once but twice on the same day.

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