BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Uber Technologies Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I was given an Uber gift card. 
When I tried to use it, it had a balance of {$5.00} less, which implies to me there was a {$5.00} surprise activation fee. ( It also gave an error, which is not the basis of this complaint. I wrote them about the error. ) The Uber terms and conditions do not include a {$5.00} activation fee. 

I have provided information on the only {$5.00} fee I could find, a ride cancellation fee, to show it does not apply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am in XXXX XXXX XXXX. Stage XXXX. I need a XXXX XXXX. I am on a XXXX XXXX machine 20 hours a week. I an unemployed I do not have employment income to pay a student loan. I attempted to make 5 payments with my savings. I no longer have savings. I could not have anticipated XXXX XXXX. Navient doesn't care. Navient calls 4 times a day to collect. No respect to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: AR
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:
There is an inaccurate account that is reporting to my XXXX and Equifax credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for XXXX online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX  XXXX XXXX Amount : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CNG FINANCIAL CORPORATION
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am asking you delete/ correct these negative items as XX/XX/XXXX I asked for validation with no documentation of your investigation.According to section 611 of The Fair Credit Reporting Act, you were given 30 days to investigate and provide me proof of your investigation. Unfortunately you failed to do so.. As reporting inaccurate items are in violation to my consumer rights according to 15 USC 1681 a ) accuracy and fairness of Credit reporting. I hope we can resolve this matter amicably or I intend to file this matter to the Federal Trade Commission. Below are items I need validate with shown written proof of signed contracts with my signature and reports to the address above within 5 business days upon receiving. If this is not done in this manner, I am requesting you to delete these inaccurate reports on my credit report immediately. 

XXXX  XXXX Credit Card with account opened on XX/XX/XXXX and a balance of {$28.00}. .This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.. In addition, you are violating consumer law, 15 USC 1666 ( b ) ( a ) in respects to a billing error, a creditor may no treat a payment on a credit card plan as late for any purpose unless, a disclosure is sent 21 days prior to credit billing statement. I, the consumer did not receive this. So, I am requesting you delete the late payment off my credit report. 

XXXX Charge account with account opened on XX/XX/XXXX and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions. In addition, charge offs are cancelled debt are to reported as income. So, I am requesting you delete this charge off from my consumer report. 


XXXX XXXXXXXX XXXX Auto Loan with account opened on XX/XX/XXXX and a balance of XXXX 
This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.This account does not nor has not shown negative balance. I am requesting you delete the late payments from my consumer 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 2017-10-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.

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 2017-10-20
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: Personal information incorrect

Complaint:
I was going through copy of credit report that was sent to me by TransUnion I noticed inaccuracies on my personal information. first was my last name was spelt wrongly. My last is spell XXXX noXXXX XXXX so need that to be change and I never used anywhere unless was sent to them wrongly so it needed to be correct to avoid identity theft. Next is Addresses, I never had post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX need to be remove and also this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to be update to XXXX or removed because I never used just address and I finally telephone number XXXX XXXX XXXX never had this telephone number the only number I have and still do XXXX XXXX XXXX and I would like this XXXX XXXX XXXX to be remove in other to avoid identity. These are three items I found in my personal Information that needed to be removed or updated. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00}

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 2017-06-30
Company: Oakridge Direct Solutions Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, 2017, I received multiple phone calls from Oakridge Direct Solutions ( " Oakridge '' ) on  my cell phone at XXXX attempting to collect a debt for a third person. I asked them to remove my cell phone ( verbally, via email, and via written correspondence ). Oakridge violated the FDCPA multiple times ( e.g. attempting to collect a debt with a bystander, feigning the debt arose from criminal activity, failing to give a FDCPA warning, using hidden phone numbers to collect said debt, denying they are attempting to collect a debt, and lying about legal papers and processes ). See Recording ( attached ) XXXX ( Screenshot_XXXX ) and XXXX ( Screenshot_XXXX ). Ergo, I filed a complaint with your office. See Complaint XXXX. <P/>On XXXX XXXX, 2017, Oakridge again called my cell phone at XXXX still attempting to collect a debt on this third person. See XXXX ( Screenshot_XXXX ).  Oakridge left a message to call XXXX. I called and received a message this number is not valid, or no longer in service. However, when I had others call - then they receive a message they reached Oakridge. <P/>Plainly, this is telephone harassment as Oakridge continues to call and leave messages with me knowing they have enacted measures to stop me from contacting them.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXX Balance : {$190.00} ; XXXX XXXX XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX  XXXXX Balance : {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent FTC Affidavit and police reports certified documentation via USPS to Experian regarding this address that is showing on my credit report along with 5 accounts that do not belong to me that is showing on my credit report because the accounts is registered under this account that I have never resided at. The address that does not belong to me is : XXXX XX/XX/XXXXXXXX XXXX, XXXX, ohio XXXX. I have reached out to the third party company XXXX XXXX in XX/XX/2020 that Experian use to verify addresses some time ago last year to let them know that address does not belong to me and I have attached the response from XXXX XXXX. That address was deleted from my files because it does not belong to me like I stated to Experian last year. Experian refuse to delete the erroneous address along with a 5 accounts that is registered under this address. This has damaged my credit tremendously! I take pride in my credit! Having incorrect addresses on consumer credit reports can cause fraud and identity theft meaning mail in my name is going to that address and it should not so now my personal information is compromised. The accounts on my credit that do not belong to me is : XXXX XXXX,XX/XX/XXXX All those accounts have the address of XXXX XX/XX/XXXX XXXX XXXX, XXXX, ohio XXXX. Remove this erroneous address and the accounts that follow this address from my Experian credit report NOW! I have attached the response from XXXX XXXX. Do not send me a pre-generated letter stating Experian verified because that will be false and a lie! I will be forced to seek legal action to sue Experian if this is not resolved. THE DOCUMENT THAT IS ATTACHED CLEARLY SAYS THAT ADDRESS WAS DELETED ALONG WITH OTHER ADDRESSES FROM MY FILES SO PLEASE DO NOT TRY AND SAY IT IS VERIFIED THE DOCUMENTATION IS ALL THE PROOF NEEDED AND I WILL BE SENDING THIS COMPLAINT AND MY DOCUMENTATION TO MY ATTORNEY.

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 2018-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

Experian replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

XXXX has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than XXXX says since I have started disputing with XXXX Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX 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

Company response to consumer: Closed with explanation