BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 explanation
Consumer complaint received 2023-05-30
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: Reporting company used your report improperly

Complaint:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-07-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX. However, Experian, XXXX, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, Experian, XXXX, and XXXX are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit 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 2023-04-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Report Act 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 an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.

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 2023-07-03
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
You stated that because I received a direct deposit on a specific date for {$1200.00} which is my very first transaction and on that same day I made a purchase for the same amount it's why the system Limited my account access. I understand that this system has ways to detect risk to protect its users as well as the Venmo company but in this particular situation it seems like the only one that is being protected is Venmo. Even from you explaining everything that the user policy and agreement says there was nothing I did to violate any terms which I can clearly see that you can't even explain so I'm not just asking for Access back to my account I don't even want the account anymore especially because this service seems to be a scam itself so I was basically just telling you what the issue was on top of your user agreement that you solely stand on which I never violated but just to save the going back and forth you missed my request for you to just return the funds back to the sender which is my school it seems as if you were just so focused on holding my funds for 180 days to look for something that's not there. And when I asked to you about what was lost prevention and will they be trying to keep my funds you chose not to respond so I'm going to ask you again explain what's loss prevention and will you be trying to keep my funds or will they be released to me after 180 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2022 my refrigerator compressor stopped working I called XXXX XXXX XXXX XXXX which has contract w whirpool for repair, they said there will be XXXX diagnosis fee and it will be deducted from repair cost. Technician said compressor is not working and wanted XXXX for repair. compressor was under warranty for XXXX years and the refrigerator had worked for just XXXX years. They didn't do the repair under warranty and wanted XXXX for repair of compressor. After XXXX month playing tricks with me for not doing the job under warranty I bought a brand new of the same refrigerator for XXXX from whirpool. Because I called them for the repair under warranty, not just for diagnosis and they didn't do that I didn't pay diagnosis fee and went overseas to a country, XXXX, which has no banking and telephone relations with XXXX despite me sending them emails that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they imposed and imposed late fee to that XXXX, diagnosis fee and now they want XXXX ( through collector named TSI ), for XXXX diagnosis fee and the rest of it is late fee .I paid the collector diagnosis fee which was XXXX $ and initiated a dispute for late fee which is completely unfair because I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I couldn't send money .I even couldn't call them from there .but I sent them several emails then and explained my situation but they were not listening and go on and on over late fee. 
I have paid diagnosis fee wo them doing their job ( to the collector, ) which was repair under warranty since they had contract XXXX whirpool.but late fee is not fair.like ur child is sick and u take the child to the doctor u don't want just diagnosis u want diagnosis and treatment .what was the use of that diagnosis wo repair which they didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: TX
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 number XXXX account US DEPT ED number XXXX and account USDOEXXXX number XXXX has violated my rights. 

Law 15 U.S.C. 1681 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 2023-05-30
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: Experian Information Solutions 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 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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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 Reporting Act, XXXX XXXX XXXX  acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. 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 2023-07-01
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX PA XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a Citibank account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe Citi couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from Citibank or XXXX and XXXX XXXX Not even under any collection agency of any name, for Citibank XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking 400 % more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give CitibankXXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of fraud on XX/XX/2023. Someone pretending to be XXXX XXXX got into my phone and payed themselves {$1000.00} from my Citizens accounts. {$500.00} was paid through XXXX, which I have never used in the past. I was refunded that {$500.00} from Citizens and that case is now closed. The other {$500.00} was through XXXX XXXX, out of my citizens checking account, which I also have never used in my life. It was paid to a foreign name, not a business. I received a {$500.00} refund from Citizens for XXXX fraud, but 1 month later, they took it back claiming XXXX said fraud did not happen. I have no idea how XXXX XXXX would know that, they weren't the victim, and they also had no idea another {$500.00} was stolen and already refunded by Citizens. I called Citizens over and over and over. They kept telling me it was denied, I wasn't getting my money back and there is no way for consumers to get in touch with the fraud department. I asked over and over for a call back from the fraud department to explain that within a few minutes, this person stole {$500.00} and {$500.00} from me and they approved the refund for the XXXX {$500.00} and not the XXXX XXXX. II never received a phone call. They were within minutes of each other to the same name. Again, they said it was because XXXX XXXX claimed there was no fraud, but I have absolutely no idea how XXXX would know that. I also don't think it is fair that Citizens refunded me the {$500.00} for XXXX, but took it back a month later. I was a victim and I cried for hours over this. I never used XXXX or XXXX money ever in my life. I changed all of my cards through Citizens. I still use Citizens because all of my bills are paid through them. I intend on switching banks if this does not get resolved. I have been a customer with them for over 18 years and this is not how you treat your customers. {$500.00} is a lot of money for me and my bank should protect me if fraud happens through my accounts with them. I am very unhappy with them, this situation and their customer service for fraud issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: Credit Sage LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Attempted to contact XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX today, XX/XX/2023 XXXX Phone call was rerouted to Creditsage. I was requesting to make a payment. A rep, " XXXX '' explained its better to dispute the claim before paying & than disputing after payment as even though payment was made it would still be on my record for 7yrs. I provided personal information & debit number to pay for credit report. My bank rejected request for payment initiated by them due to incorrect expiration date provided. My concerns are that the call was rerouted allowing for personal information to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 : Credit inquiry made by XXXX XXXX through XXXX. Not authorized by me.

Company response to consumer: Closed with non-monetary relief