BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
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 a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2023-09-21
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I spoke with National Business Factors, INC this morning and was told that my medical dept will start to impact my credit score starting this XXXX. I reminded them that medical dept is exempt from negatively impacting your credit score and they said that is not true. As I understand " As of XX/XX/XXXX, paid medical collection debt won't appear on consumer credit reports ''. 

I find these tactics extremely malicious. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
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. 

Account name : 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
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:
FTC Violations XXXX - CARD SERVICE {$2700.00} XXXX - CARD SERVICE {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well

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 2023-03-14
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against LVNV FUNDING LLC for committing identity theft. I have never given LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding u Cease and Desist of all illegal activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence, such as a trilateral contract, that i have any legal obligation to pay them. If this documentary evidence, can not be produce and LVNV Funding LLC continues its collections efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And also do you have a sign Authorization SSA - 89 form from the SOCIAL security administration about my SSN #. Please tell me you have this on file. Form SSA - 89. Upon the receipt of the documents herein and of this Notice, you are here by notified Pursuant UUC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
I am a natural person I am a living human being ; I have rights under 15 USC 1681. 


XXXX is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA 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 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-25
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with Chime. About 2 months ago I got a new phone. When I downloaded the app & went to log into my account I was rejected. I put in the wrong password & they locked my account. I understand they do that to protect me from fraudulent activity. The problem is that when I keep calling & verifying it's me I get no help. Now they're saying I need to send a picture of the front & back of my ID. I don't have my ID because I misplaced while moving to CT. I can't get a new one because I can't access my money to purchase a new one. They keep giving me the run around & saying no. I really need my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Old information reappears or never goes away

Complaint:
Client service has a total of 41 Accounts that need to be removed. As of now, 30 Accounts were removed. Wrote 3rd Round Credit Sweep Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded Experian letter to Experian.com. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX Exprian : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$16000.00} ( Previously Deleted, popped up account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : XXXXXXXX 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

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 2023-03-03
Company: Experian Information Solutions Inc.
State: KY
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-04-25
Company: Sequoia Financial Services
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. someone has access to my credit profile and has applied and receive multiple fraudulent accounts in my name. please remove all accounts. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX is charging fees that are excessive and posted in an order to assure that they are able to charge as many fees as possible. I was going through a financial hardship last year and also dealt with fraud. My account had accrued over {$900.00} in NSF Fees. I was unable to get my head above water for weeks. Every paycheck that was deposited was being depleted with NSF Fees. I finally made the decision to leave the bank in XXXX of XXXX. I got a letter from a debt collection agency ( XXXX XXXX ) this week stating I owe South State {$220.00}. I have tried to access my bank statements as they were e-statements so i could see the exact amount of NSF Fees I have paid them. Please look into this and request they send a statement showing these fees. I called the home office and spoke with a representative and told them I was unaware of opting in for overdraft protection. For debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you dont opt-in, you cant be charged a fee. I told this representative that I did not want this and to please remove it from my account. They continued to charge me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Credit Supreme LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 Credit Supreme was hired to help with 1 discrepancy on my credit report. 

XX/XX/2022 I contacted XXXX XXXX to inform him that both letters had been returned to my home ( evidence attached ). The letters sent were " GOOD FAITH '' letters, not professional debt removal letters. Per my initial consultation with XXXX, I explained my attempts with removing this information on my own and made him aware that good faith letters and direct disputes with XXXX XXXX credit card XXXX have already been attempted and a more aggressive credit repair was needed. 

The discrepancy was improperly disputed. Every letter Credit Supreme sent to XXXX and XXXX was RETURN TO SENDER ( per the evidence attached ). The credit bureaus have no record of a dispute attempt for the item in question. 
I requested a REPLACEMENT round of letters to be sent out. 

XX/XX/2022 I called XXXX to check the status of my new round of letters being mailed out. He assured me they were mailed out the day I inquired about them, XX/XX/2022. 
I asked for proof, but he declined. 

XX/XX/2022 I received ANOTHER letter from XXXX that was returned and stated a dispute has not been initiated due to Credit Supreme sending the letters on my behalf. 
I made Credit Supreme aware of this and asked for it to be rectified AGAIN. Per XXXX XXXX, he was not going to send out another round of letters for " round 1 '' because the " round 2 '' date was a week or 2 away ; even though I had already paid for the initial round and the bureau never processed the disputes. 

I was charged for services that were not rendered properly. The letters being return to sender and the disputes never being filed means that services were never rendered at all. I asked to cancel the membership. XXXX 's confirmed my cancellation via text. 

XXXX I was charged for services after making it clear I wanted the product cancelled. Due to the 1st round of letters never making it to the credit bureaus to be processed and Credit Supreme refusing to replace round 1 letters, there were no services rendered!

I asked for a refund, Credit Supreme declined.

I disputed the charges with my card company and I was found to be not liable under the guise of " paid for services/items that were never received ; services not as expected '' Credit Supreme sends out a wrongful collection to my XXXX credit report for a fee that shouldn't have been charged due to the letters being returned and them refusing to rectify the issue to satisfy the service I paid for. 

DOCUMENTATION ATTACHED

Company response to consumer: Closed with explanation