BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Experian is currently reporting inquiries on my credit report that I am not familiar with. The accounts were never opened and active on my account. I have verbally spoken to company to resolve this issue but Experian has failed to follow through with removing these inquires from my credit report. Please have them to remove these Inquiries because I did not apply for anything from the accounts listed below. Thank You! 


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
Consumer complaint received 2022-09-23
Company: MOHELA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in XXXX XXXX for over XXXX XXXX  and thus applied to have my federal student loans forgiven via the PSLF/ waiver. I applied for this over a year ago. My current loan lender is the company Mohela, even though these were all federal loans. All of my payments were deemed eligible for repayment, but only some were " qualified '' for repayment based on my employment. The problem with this logic is that I've worked for the XXXX XXXX the whole time, including during when the payments were deemed " not qualified '' based on my employment. My repeated requests for further information from the pslf program have gone unanswered. I am considering suing the Department of Ed in federal court under the XXXX. Any help would be excellent. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : XXXX XXXX XXXX act # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: Firstsource Business Process Services, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector named Firstsource Advantage , LLC is unlawfully in possession of my non-public personal information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know Firstsource Advantage , LLC, and have not contracted with them in any way. They should not have possession of my non-public personal information. They also shouldn't be sharing it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 there is an open account with XXXXXXXX XXXX XXXXXXXX XXXX that I did not open or authorize to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TN
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: In progress
Consumer complaint received 2022-09-23
Company: PayActiv, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Payactiv card which is owned and operated by XXXX XXXX  XXXXXXXX XXXX in XXXX  XXXX Missouri is holding my money hostage and trying to take my money in double batches.. for example XXXX returned an amount of XXXX to my card and it was posted to my card only to be taken without consent or authorization by me .... The money is being held hostage on an unauthorized hold and will not be released until said company XXXX emails them a letterhead .... Also on XXXX an amount of XXXX was taken and they are trying to retake that SAME amount in different transaction amounts i.e XXXX on XX/XX/2022 i now have text messages to confirm they were trying to do this scandalous action... i would like my money back or else next step is filling with the f.b.i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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:
XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and XXXX Partial Acct : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2022 I was contacted by a person who claimed to be XXXX XXXX, she was very convincing. after a while it al became very romantic and she wanted me to come to XXXX. I told her I don't have the money for it. She told me she would help me invest some money in crypo and real estate and so I put XXXX,- in XXXX XXXX  and this made XXXX profit and the suddenly the money completely dissapeared from the site. I invested XXXX, - in a real estate investment through XXXX and this was out of my site afterwards. I tried to withdraw money from the XXXX bank it was send to, but no result and no money. 

She told me I had to buy a XXXX XXXX XXXX to meet her and I paid XXXX,- for the card and I received all kinds of documents to get it. After a few months I watched the XXXX show XXXX and found a way to reverse phone search option, but when I tried it on the number of her on Telegram it turn out to be a scam. I told her and the one who provides the card to send me back the money but non of them did. So I want the bank and others to send me back the money. This all got me into serious financial trouble. 

I have all the email and telegram conversation in XXXX XXXX for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion : XXXX  XXXX XXXX / XXXX Account number : XXXX *** Transunion XXXX Account number : XXXX XXXX  : The XXXX XXXX XXXX Account number XXXX *** XXXX XXXX Account XXXX 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 my 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 antedate 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 reporting consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 2022-07-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
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:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from EASTERN ACCOUNT SYSTEM I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from Eastern Account System nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. 

I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: FIFTH THIRD FINANCIAL CORPORATION
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 XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-06
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit 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:
I reached out to Apple Card Services, reached out to the merchant and coming to a dead end. {$120.00} was pulled for a free trial. Apple denied because I got the credit but it was only a prevision. Not the merchant. The merchant is extremely not helpful. They keep telling me to contact apple to get the money back and their site clearly states I got 14 days from being charged as a first time customer. This is around day XXXX. To add do this, the annual subscription for premium for this service is gone. So now Im also out regardless of this outcome. Can anyone help return my money? Please and thank you. This is all for the Apple Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: IN
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:
The 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 15U.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.

15U.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 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 2022-08-23
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My payment of {$210.00} is due on the XXXX of every month so I make my payment for the next month just following my payment due date. As an example, I paid {$300.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$200.00} went to principle and {$97.00} went to interest. On XX/XX/XXXX I paid {$250.00} to cover my XX/XX/XXXX payment. {$190.00} went to principle and {$56.00} went to interest. I saw that after the payment was posted Upgrade was showing that I still had a payment due for {$210.00}. I contacted Upgrade and they went through my payment history and agreed that I should not have a payment auto deducted from my checking account on XX/XX/XXXX. The rep tried but was not helpful at all and said it was a system glitch. I then sent an email to Upgrade ( below ) and responded back that a notation on the account was not acceptable. On XX/XX/XXXX my checking account was debited for {$210.00}. {$140.00} went to principle and {$71.00} went to interest. So, I made XXXX payments towards my XXXX payment even though I paid it on XX/XX/XXXX. If that was the case then the full {$250.00} I paid on XX/XX/XXXX should have all gone to principle. 

At the end of the day, the system needs to recognize a payment and which due date it applies. Reps need to be trained appropriately, and customer support on email should know better than to blow off a customer by " notating the account ''. I responded back to that comment and never received a response. 


Upgrade Team ( Support ) XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX ( 12 days ago ) to me # # - Please type your reply above this line - # # Upgrade Team ( Upgrade , Inc. ) XX/XX/XXXX, XXXX AM XXXX XXXX XXXX, Thank you for choosing Upgrade! 

We will notate the information you provided in your account. 
If you have additional questions, we invite you to review our Frequently Asked Questions in our Help Center or contact us by calling our toll-free line at ( XXXX ) XXXX, Monday-Friday, XXXX, Saturday and Sunday XXXX Pacific Time. 

Thank you, The Upgrade Team

Company response to consumer: Closed with explanation