BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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 these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 

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. 

XXXX XXXX XXXX- XXXX, XX/XX/XXXXXXXX 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 2022-11-28
Company: Affirm Holdings, Inc
State: CA
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 XXXX XXXX, XXXX, I received an email order confirmation from a company called " XXXX '' for a home gym with a promise of delivery in 3 to 4 weeks. I purchased the product with a loan through Affirm, XXXX 's financial partner. The total was {$550.00}. So far, I have made two {$46.00} payments, leaving a remaining balance of {$440.00}. 
On XXXX XXXX, I contacted XXXX through their customer support email to find out why I hadn't received my home gym. They replied that they were having shipping problems and I would get my product in early XXXX. On XX/XX/XXXX, I contacted XXXX 's email support, but I didn't get a response then or after that. 
Subsequently, I contacted Affirm customer service twice to file a complaint against XXXX. Both times, the representative said their investigators would get in contact with me within 3 to 5 days. It's almost XXXX, and no Affirm investigator has contacted me yet. Today, I made a final call to Affirm customer service, but I got the same old response. It's been almost 3 months since I made my order, and I still haven't received my home gym. I believe Affirm is harboring fraudulent merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a 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 2020-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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 2022-09-19
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent is trying to collect a almost XXXX debt with a XXXX that is not mine!! 
I have no idea who opened and used my information since XXXX  they said!!! 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Multiple fraudulent transactions, months of unauthorized access to my account and information. Refusal to reimburse fraudulent charges, refusal to submit investigation information, refusal to follow cfpb ftc and fdic laws, Lies submitted to cfpb regarding resolution that was never upheld. Failure of the cfpb to take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted proof that I was the victim of identity theft. The problem still remains ; there are accounts impacting my score in a negative way. Please help solve this issue.

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 2022-04-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I stopped using a barclays jet blue MasterCard over two years ago. The card at the time i used it carried no fees. 

Ive received no bills, in paper, or electronically from barclays for over two years. 

Through using XXXX, I discovered that my credit score dropped over XXXX points due to unpaid bills from barclays.

I called barclays and explained that I hadnt use the card in two years and thus had no idea what the charges could be from. They explained that they had this year instituted a {$40.00} annual fee.

Because I had received no bills, the city remains unpaid, for two months, and was reported as a delinquent payment.

I explained that I had received no bills, and they vowed to take it off my credit score. However, I am concerned that this happened in the first place. 

I need to make sure that the bogus late payments are removed from my credit score. Thanks so much

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 2022-06-25
Company: EQUIFAX, 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:
By the fair credit reporting act : XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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:
By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

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 2022-06-25
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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX & Account # 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 : 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 2022-09-19
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 submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, XXXX fraudulent charges were made on my credit card adding up to {$1400.00}. I was immediately notified by Bank of America who asked me to confirm the charges were fraudulent and then credited my account with amount that was fraudulent. They correctly identified the charges and said they would open an investigation on the charges. On XX/XX/2022, I received a letter stating that the result of the investigation concluded that XXXX of the XXXX charges ( adding up to {$700.00} ) were not fraudulent because the merchant confirmed that merchandise was shipped to an address listed on my account. This is absolutely not true as we never ordered or received goods from this merchant. Bank of America could not tell me what address the merchandise was shipped to. The only information I can find on the merchant is what is listed on my credit card statement as " XXXX XXXX XXXX XXXX ''. I can find no information of this merchant online and have no way to contact them. I have no idea how Bank of America contacted this merchant or what evidence they have that merchandise was shipped to a specific address. After many phone calls and being placed on hold indefinitely, I finally got through to Bank of America. I stated my case that it was simply not true that I ordered or received any merchandise from this merchant ( that seemingly did not exist ) and they said they would reopen the investigation. It should have been obvious to them based on my account history and the timing coinciding with the other fraudulent charges that these charges were fraudulent. On XX/XX/2022, I received another letter from Bank of America saying that their decision hadn't changed and that the merchant provided documentation confirming I received merchandise. Again, this is simply not true. I have never been able to see any of this documentation from the merchant or Bank of America so it must either not exist or be fraudulent. At this point, I've had to pay the {$700.00} out of pocket to not risk my credit score and interest charges. I've never had any issues with Bank of America in the past, however at this point, I seriously question the integrity and competence of their fraud department. I have not used this card since because I don't trust that they have any useful fraud protection.

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 monetary relief
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, 2022, utilized chat service offered through XXXX to request account closure. During the chat, representative advised account would close after nightly processing. At the time, I assumed the account was closed and no futher activity would occur. However, on XX/XX/2022, I received notice in the mail of an overdrawn account. I shortly thereafter logged into online banking to find the account had not been closed as requested and confirmed by representative, and that a monthly service charge has been levied for XXXX and XXXX, putting the account into a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Credit inquiries on your report that you don't recognize

Complaint:
False Credit Inquiries were made on my credit reports ( Experian, XXXX and XXXX ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit

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 2022-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. 

These INQUIRYS are fraudulently on my credit report. Please send me verification I authorized these : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A.

Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

Also the Credit Bureaus took more 30 days to complete my investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NC
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:
They reuse to remove fraudulent information from my credit report I have already filed a ftc and reported it to the lenders as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
They reuse to remove fraudulent information from my credit report I have already filed a ftc and reported it to the lenders 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