BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
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 an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Strategic Alliances, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXXXXXX First financial asset management continues to contact me on behalf of XXXX XXXX XXXX  stating that I owe them {$100.00}. I have repeatedly contact XXXX XXXX and my XXXX card company because the debt was paid twice actually on XXXX the XXXX of XXXX and I have proof and the debt was also paid a second time by accident on XX/XX/XXXX. Financial asset management has continued to harass and call me they will not send me anything via mail or email they will not let me just do the charge they will not validate the charge with XXXX. XXXX has indeed provided the information that the debt was paid twice. I don't even know what the dead is for I don't even know what the {$100.00} was charge on my card without permission what it was for nobody has told me however, it was just charged on my card without reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
US DEPT OF ED/XXXX IS ILLEGALLY trying to collect on a time- barred debt by reporting a balance I do not owe on my consumer report. New york has a statute of limitations of 3 yrs to collect on a debt. The alleged debt was opened XX/XX/2017 in NewYork- this account is past the statuue of limitations to collect on.

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 2022-07-02
Company: DISCOVER BANK
State: NJ
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:
1. According to Discover XXXX Bank agreement disputes between XXXX parties must be exclusively decided through XXXX  ( alternative Dispute Resolution method either XXXX  or XXXX  ). 
2.However, without any prior notice from lawyers/ legislators covered by the FDCPA, a legal action was initiated. 
3. I submitted demand to compell private arbitration along with a contract outlining arbitration provision. 
4. Despite my answer Discover and Debt Collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) still ignore my demand and trying to use court system as weapon. 
5. Discover don't respect or follow they own contract. 
6.Debt Collectors violated FDCPA ( XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason

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 2022-07-02
Company: EQUIFAX, INC.
State: OH
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:
My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 2022-09-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The Citi bank is a BIG FRAUD, stole my $ XXXX! I opened a checking account and deposited $ XXXX for its promotion bonus. However, within two weeks, my account was closed by the its fraud department, and the customer service had terrible accents, and insulted me over the phone without giving me any explanation for locking my account. They said I will receive my money by check. I tried to go to the branch or called over the phone, they just repeated the same thing and asked me to wait. Over a month has passed, I never received my money back. 

Government and law enforcement please do something! Help me get my money back, and sue this fraudulent bank!

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.

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 2022-08-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax Credit Bureau about unauthorized on my credit report and to have them removed. I was told that it was nothing they could do without additional info. I have know accounts related to these inquiries and would like them removed immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Absolute Resolutions Corp.
State: IL
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:
In 2021, a college debt from XXXX XXXX was placed in a debt consolidation program. The Law firm representing me ( XXXX XXXX XXXX ) negotiated a payment schedule with Absolute resolution, which took on the collections from XXXX XXXX. I have a letter that states the account is in good standing and Absolute Resolutions has put a derogatory status on my credit report. A negotiated amount was settled and I am paying on this Debt. I am trying to get my credit back up and this company is the only one that is preventing me from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Open XX/XX/2019, 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 non-monetary relief
Consumer complaint received 2022-09-22
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 XXXX : It 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 2023-10-25
Company: EQUIFAX, INC.
State: IL
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:
I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 2022-08-22
Company: Velocity Portfolio Group
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
CKS PRIME INVESTIMENTS LLC is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. CKS PRIME INVESTMENTS LLC has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. CKS PRIME INVESTMENTS LLC has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX  Card appears twice on my XXXX report. I only have one XXXX XXXX card and the other account should be removed. This account is a duplicate and needs to be removed.

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 2022-06-08
Company: Atlanticus Services Corporation
State: MA
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:
The company is Aspire credit card. The company is reporting me late on my credit card for Fraudulent activity. I have attempted on numerous occasions to get in touch with them but nothing. I want to report 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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-07-29
Company: I.C. System, 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 am a victim of identity theft and someone used my personal information without my consent to obtain fraudulent accounts in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for the following companies to delete and remove these fraudulent accounts my credit report as well as from its system. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. IC 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 explanation
Consumer complaint received 2022-12-02
Company: Exeter Finance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
on XXXX XXXX i was basically for into this contract with lies and deceit which include High finance charges, lies about vehicle conditions, the amount of monthly income was higher than what i made, Dealership add XXXX XXXX in which i declined, as of late XXXX i recognize there is fraud in my Contract that breaks my rights as a consumer, being overcharged and co horsed to be in the retail installment contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, Experian, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : 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 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( a ) ( XXXX ) 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. These are clear violations of my federally protected 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 explanation
Consumer complaint received 2022-07-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase was supposed to have closed card ending in XXXX... they did not. Issued new card ending in XXXX. Continued to pay off of XXXX i had no idea until I called XXXX and they said thats the card they used

Company response to consumer: Closed with explanation