BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 2022-01-21
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI CREDIT COLLECTION SERVIC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've asked XXXX, Equifax and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX also informed me that someone attempted to collect unemployment in the state of XXXX while they lived in XXXX XXXX and it was a XXXX XXXX XXXX. I've asked all credit bureaus to provide me with the details that they were provided by XXXX XXXX XXXX  They have failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX  XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXX the date last active for each bureau 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 2019-12-26
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I tried to use my membership rewards and it keeps saying " under review ''. The terms and conditions state that the reward bonus can be reviewed only up to 8 - 12 weeks, but I got the reward bonus many many months ago back in XX/XX/2019, so it is well past 8 - 12 weeks. Many months past. Many many many months past. 

Given that it has been well over the timeframe for review, please unfreeze and unlock my membership rewards account so it can be used. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX  Case Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : 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 2023-02-09
Company: Experian Information Solutions 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:
Clairty services has furnished inquires on my report that I never authorized. Ive never sent written authorization to clarity services to furnish this on my report which is an invasion of my privacy and illegal to do.

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 2022-01-21
Company: Experian Information Solutions Inc.
State: WI
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:
See letter attached I have reached out both to the companies and the bureaus and they have not helped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold XXXX to a buyer on XXXX, the buyer paid me through XXXX, and I have all the evidence of the transaction. When the transaction was over, the buyer maliciously appealed to XXXX for a refund, and the buyer lied to XXXX that I bought a camera from me and I did not ship it, and apparently this is a complete and absurd lie and now the money has been returned to this person 's account by the bank without my consent, and I was scammed by him. 

I have all the proof, including recording a video with the scammer on the trading screen of the cryptocurrency exchange. Banks can also check with cryptocurrency exchanges. 

The point is that on XX/XX/XXXX, the bank, without my consent, without asking me for more detailed and sufficient supporting materials, and without checking with the cryptocurrency platform that I transacted with the scammer, solely based on the scammer 's word, the bank deducted my {$1200.00} to the scammer. This practice of the bank has seriously damaged my legitimate rights and interests. 

And the bank closed my account without permission.I can't use my account normally right now. I have balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX. This is the correct spelling of my name. This is how my name should be updated on my credit report. I'm writing to report identity theft that has been committed against me. I have good grounds to think that multiple false accounts and credit report inquiries have been created using my personal information, which was stolen and used without my consent. I have contacted the creditors connected to the information and filed an identity theft affidavit, among other essential actions, to make this problem right. However, because of this identity theft, I have suffered severe financial loss and emotional pain. I still have trouble getting loans and credit because of the time-consuming and frustrating procedure of challenging these accounts and inquiries. 
I've attached copies of my credit report, the identity theft report I filed on this case, and any additional paperwork I think you would need for your inquiry. Kindly get in touch with me in case you need any further details or supporting materials. 
I sincerely appreciate your consideration of this situation and eagerly await your speedy reply.

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 2018-09-12
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Credit Corp Solutions has been attempting to contact me with spoofed local XXXX numbers. They began to contact my work number and on XX/XX/18 I sent them an email attempting to negotiate a settlement and also directed them not to contact me at my work number, as I am unable to receive these types of calls. I know they received that email because they contacted me on my personal number about it and I spoke to them about it on XX/XX/18 before deciding to try and speak to an attorney. Today, XX/XX/2018, I was called at work from a known number of theirs that theyve used to spoof before to contact me. I have asked them not to contact me at my workplace and they ignored that request. They have also threatened to send me to pre-legal which is not an actual legal action, and have threatened to damage my credit by reporting to the credit bureaus which they havent done yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: M1 Holdings Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I initiated an account liquidation for the XXXX time, after my previous attempts did not go through. 
After speaking to an agent on the phone I was told what I needed to do to request account liquidation. 
I specifically asked if there was any selling I needed to do beforehand to request this, and was informed that no I did not need to sell anything ( I had already sold my stocks weeks before to my understanding ). And that I could just request a transfer and he tells me the amount to put to make sure I get the full balance. 
I wait XXXX business days to have the transfer approved. And nothing happens. 
So I call and I am told " oh we need a bank statement to confirm that account and then approve the transfer '', although I was not contacted or informed prior to me calling that this was needed or requested. 
I spoke to XXXX who reassures me that she will do make sure this is handled right. She sends me a link to upload the document and I send it back within XXXX mins, I email to let her I know its uploaded. 
She repsonsds that she will get it sent to the approvals team to get it approved and that I will hear back within 2 days. 
2 days go by and I have not heard anything so I email ( XX/XX/XXXX ) and ask why havent I been informed on the status of my transfer. And I am told the transfer is approved and should be deposited within 3 days, I wait the 3 days, still no deposist. So I call my bank and they tell me that they do not see any pending deposists nor do they hold deposits. I call XXXX and ask to speak to speak to a a XXXX, I get XXXX who has no idea why the transfer had not been sent to me, but then tells me that there are holdins I need to put into my pie before I can transfer my money- which no one has told me way before needed to be done. I have no clue how to do this so he walks me through how to do it but my account although it confirms I moved over the assets into my XXXX it wont actually reflect that it has been done. We do it twice together on the phone, he informs me that he isnt sure why I cant do this action and that he will have to escalate the situation. And here it is XX/XX/XXXX and I still have not received any help to getting this resolved. 
This company is hard to get real help with and they do not promptly address issues espcially when it comes to my ability to get things done on my end when my acount wont let me make the changes needed, they have inhibited my abilty to use my account and I do not want my money sitting in tis account anymore. i want liquidate and close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: GA
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 was notified XX/XX/XXXX about my server loan company XXXX will be notified about the case resolved with sweets vs XXXX This means my student loans will be deleted per my school-involved XXXX XXXX university and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX  most recently. XXXX as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.

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 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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