BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NV
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 at XXXX account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( EXPERIAN ), XXXX XXXX XXXX amount of {$13000.00} ( XXXX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy. 

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.

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 2023-07-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My school that I attended in XXXX through some of XXXX was ruled by the Federal dept to be fraudulent and I completed all the paperwork to have it discharged and I was told via email it was approved for discharge. I notified Navient and they told me I'm still obligated to pay a fraudulent loan. They are now suing me in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX U S DEPT OF ED/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX U S DEPT OF ED/XXXXXXXX  ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Equifax has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Equifax on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Let me first say Target has poor customer service. I got hung up on by a supervisor and lied to by a specialist. I will No longer give them my money! 

The company is going against my consumer rights. 
Violating US codes 1681a 2 ). ( i ), US code 1666b ( a ), US code 1681e ( b ).

According to US Code 1681a 2 ). ( I ) report containing information solely as a transaction or experience between the Consumer and the Person making the report. My experience is the relationship between the transaction and the creditor or the person of the corporation that extends the line of credit that is used at a particular time of the account. Which is the consumer, which is me and the person making the report. 

Moreover, US Code 1666b ( a ) states A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

Stated by the Internal Revenue Service ( IRS ) Instruction for forms 1099-A and 1099-C. A 1099-C must be filled regardless of whether the debtor is required to report the debt as income. Income does not get reported on your consumer report. Therefore, a consumer of a charge-off being reported on your consumer report is illegal because it is ordinary income. If a charge off is being reported on your consumer report it is not accurate and reasons to believe the whole account is fraudulent according to the IRS from instruction form 1099-A and 1099C. 

Lastly, US Code 1681e ( b ) explains, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This statement explains doing so will presume a 1099-C, that must be filled according to the IRS as mentioned above. The status of a charge-off is an inaccurate account and it must be deleted.

Under 15 US Code 1681b ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$560.00}

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 2023-07-18
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
on XX/XX/2023 we received mail addressed to a XXXX XXXX at our address. We have no association with this person or even know who he/she is. The letter is from XXXX XXXX XXXX XXXX XXXX XXXX, FL. The back of the letter indicates this is from US Bank. The letter states : Thanks for contacting us about your recent change of address. This letter confirms that your address change request has been processed. 

This XXXX XXXX does NOT live at our address. We contacted US bank at XXXX and initially spoke to XXXX who stated anyone can use any address they want. I then spoke to her supervisor XXXX who stated that US Bank does not have a fraud department to review this, when I told her that was a lie she stated yes they did have a fraud department but she didn't have the phone number for them. She repeatedly wanted my information which I was at this point hesitant to share but finally did in hopes of resolving this issue. We have not received resolution.

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 2022-12-19
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:
I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
You are reporting a piece of different information from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -, XXXX XXXX Balance : {$7600.00}

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 explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}

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 2023-07-17
Company: T.S. Holdings
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in the XXXX XXXX XXXX in XXXX Connecticut for a year paid {$700.00} for a security deposit that I did not receive and I saw a report to the credit bureaus that I owe them {$3000.00}. I disputed it with XXXX and XXXX XXXX they deleted it from my account XXXX Still have it when I give them notice that I was leaving. They told me that I had to give them 60 days paid notice I said yes Im living there for 60 days. Of course Im gon na be paying you and I did when I disputed with XXXX they send a letter saying that amount was attached to me because of damages to the apartment, I was oddly ever at the apartment because I worked so much doing car service. I was hardly home I left the apartment, cleaned it from top to bottom even the blinds took pictures and videos and literally got rid of those pictures and videos from out my phone because my XXXX was full, so the statement that they say was damages to the apartment is false I believe is someway for them to try to collect. Im not really sure maybe the 60 days paid notice was them actually wanted extra money for me to give them notice I never heard of that before makes no sense to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Block, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Description of complaint : I went to XXXXXXXX XXXX and found several paid to watch Ads apps. I found one called XXXXXXXX XXXX. It had reviews that said they were legitimate and several people on their said they received their payout immediately via cashapp or XXXX. I have both. So I played the game. I watched over a hundred Ad 's. Cashapp Ad 's, XXXX  Ad 's, and other get paid to play or watch Ads for pay. I won {$1000.00} then XXXX, XXXX, XXXX, XXXX, then XXXX. Instead of getting paid immediately I had to watch more Ad 's. Then after XXXX hours I thought that I would receive my money but in stead it none of it never was released. I feel that this is a huge scam and that several companies are involved. XXXX XXXX, Cashapp and XXXX to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX XXXX. Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX : {$9000.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX . Balance : {$5000.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$8800.00} XXXX DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX Balance : {$3900.00} XXXX DEPT OF EDUCATIONXXXX XXXX XXXX. Balance : {$5300.00}

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 explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-07-18
Company: BTH Management
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: Account information incorrect

Complaint:
The original loan was through XXXX, they were charging me the wrong percentage rate. I filled a complaint with this CFPD, they then transferred my account to Plaza services, which in term added to the loan amount and placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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 Reporting acXXXX XXXX XXXX XXXX  XXXX. Account # XXXX and 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

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 2023-04-20
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:
I want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation