BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Emergent Business Group, Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a phone call at work from Emergent Services about a payday loan that I owed, I requested to have all information mailed to my physical address. Gave them my actual phone number and address, They said no problem and would be in touch the following week.

I never received any such letter, also didnt receive any follow up phone calls on my personal line. 

Then on XX/XX/2023 they called me work again asking me to pay this debt. I told the lady since I did not receive anything in the mail like I requested to stop contacting me. The lady then tried to talk to me more about it so hung up because I felt like this wasnt legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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

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 2021-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2023 I received my first pay roll check from my place of employment. I deposited the check thru my Chase bank mobile app and it uploaded twice, not purposefully. I knew the amount deposited being over {$500.00} would be put on hold for XXXX hours. After the XXXX hours came about, my checking account was restricted due to the double check uploading mistake. Understandable. I was told XXXX business days my account will become active again and my employers bank ( XXXX XXXX ) would need to cancel the extra check.. they did. So now being almost XXXX weeks of not having my hard earned pay check accessible, Im beyond frustrated. The XXXX yesterday came ( the XXXX business day ) I still could not access my money. I called customer service around XXXX pm, I was told my account is on hold another XXXX hours. After XXXX XXXX  came and I STILL cant pay my bills. I called around XXXX XXXX, to which I was again told that it will be on continued hold until my employer is verified. I went to chase, brought the pay roll check I deposited on my bank app, verified my entire existence to prove I am not a fraud. NOTHING is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company WF/DILLARD XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : 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} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a 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 2022-07-06
Company: Avant Holding Company, Inc.
State: IL
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/XXXX, I logged into my avant- credit card website and noticed 2 charges that I didnt make made on XX/XX/XXXX. I havent used the card since XXXX. At XXXX on XX/XX/XXXX, I attempted to contact the avant- credit card business and was told I had to be transferred to the fraud department l was on hold for over 3 hours with no one answering. I attempted to call the main number back and after the automated response was on hold for over 1 hour. I eventually hung up and tried again. I called another number and spoke with a customer service rep who promptly hung up on me. Throughout the XXXX XXXX  day, I attempted to contact the avant credit card company but to no avail. I have attempted to call the avant credit card company over 25 times and had no results or answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
According to the FCRA all consumer reporting agencies have a GRAVE RESPONSIBILITY to report correct and 100 % accurate information on a consumer 's report. EXPERIAN FAIL TO DO THIS ON MY CONSUMER REPORT. In XXXX of last year I notice that thing were not reporting correctly. The have a name that I have never used, addresses I have never lived at and so much inaccurate information on accounts reporting. 
On XXXX XXXX I sent EXPERIAN a letter informing them of my proper name and the proper address they should be reporting and directed them to delete anything else because it was in accurate. Along with this letter I sent a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill. They totally ignored my letter. 
On XXXX XXXX I sent them XXXX more letters detailing the same information but also disputing the inaccuracies on my report. I also again sent them a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill to verify that it was me sending them the letters. I also directed them to respond to me via mail to my proper address. 
On XXXX XXXX I sent them a letter notifying them that because they took longer than XXXX days to respond that them must delete all accounts that I disputed in the pervious letter and I listed all the accounts in this letter as well along with the same documents to verify my identity. this letter was completely ignored as well. 
On XX/XX/2022 I also sent out my next round of dispute letters with all of the identity verifying documents. It is now XXXX XXXX and literally nothing has changed on my credit report! They haven't responded to my last letter which was almost XXXX days ago or my first letter which is almost XXXX days ago. 
Experian is not follow Fair Credit Reporting Act or their own XXXX XXXX compliance standards. As a federally protected consumer this is totally UNACCEPTABLE. 
In the last XXXX months I have gotten denied for numerous of things because Experian has fail to obey the law!

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 2023-07-06
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
I called tower loan on XX/XX/XXXX after I pulled my credit report from XXXX and then I called XXXX to find out what was going on why was I showing different things on my report they went one by one of the accounts I had on my credit when they got to tower loan it was 60 days past due and the amount is different every time I make a payment I told the manager its easier to pay on the phone because they are so far I had fell onto hard times and ask to work with me and the manager done a deferral agreement that he told me will put things back on track I have been doing my best paying what I can on the account I call and let them know when Im pay and do my best to keep my word I told the manager what XXXX told me about my credit he told me he never been told they dont report as I was at home my report changed again went down XXXX because of this company I been going through it with tower loan they been doing this to people for years I already reported them to the XXXX nothing was done please investigate this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXXXXXX XXXX XXXXXXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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 XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. XXXX of these was : Diversified Consultants The address listed on the credit report is : XXXX XXXX XXXX XXXX, FL XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Diversified Consultants have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
At XXXX XXXX on XX/XX/2024 someone used my information to open a USAA account and open a checking and savings account. I did not open any of this, and someone is using my email to make this account. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Nationwide Recovery Systems, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and in collection. XXXX XXXX XXXX XXXX, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts. Nationwide Recovery Systems is the 3rd collection agency that has attempted to collect the debt, and they to had a different amount. This is associated with CFPB ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation