BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, Equifax, XXXX are all listing a late payment from ( XXXX XXXX XXXX XXXX XXXX  ) as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my XXXX XXXX XXXX XXXX  XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, XXXX, OR equifax any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( XXXX, EQUIFAX, XXXX ) is a form of violation to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SLM CORPORATION
State: WV
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 owe a significant amount, over {$160000.00}, under what I believe was predatory recruitment for loans. 
I did not qualify for FASFA, so my school counselor ONLY spoke of Sallie Mae, knowing I was going out of state. I am a first generation college grad, so my family had no idea of the effect a debt like this would have. We were under the impression that repayment options, such as loan forgiveness and income based payments, were going to be an options. 
My payments are almost {$1200.00} a month. I am living EXTREMELY below the poverty line because of my loans. I have tried to settle with Sallie Mae, with only being told to get a second job, of which I have had 3 at a time to make ends meet.

My co-signers are not in a position to pay outright. They feel they are harassed multiple times daily by Sallie Mae and it was ruined our relationships; making help with payments even less likely. 
I have tried to settle with {$90000.00} and was rejected. 
I am out of options. I have no idea what to do. I feel I have ruined my life by being guided to get Sallie Mae loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed XXXX  XXXX in XXXX, it was completed and discharged in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with Transunion and XXXX reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.

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 2022-08-22
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-11-26
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and XXXX reporting a debt in the amount of {$96.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax TOLD the CFPB that they deleted an unauthorized inquiry from my report. But when checking my report they in fact did NOT delete the inquiry as they claimed. Meaning they lied to the Consumer Financial Protection Bureau and lied to ME the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I started a Venmo account at the request of my teenage children, this is where I went wrong. Upon my son sending me money for repayment of his insurance, my account was immediately frozen. I have tried to email with Venmo for almost 2 months now, and seem to be no closer in having the funds released than I was the day this nightmare started. They refuse to pick up the phone and call me, although I have requested it in almost every email I have sent. We tried to dispute the charge with our bank, as it seemed very fraudulent of Venmo ( a company I have no history with ). They somehow won the dispute, and here I am still without the money. This started around XX/XX/2022 and the amount was for {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Onemain financial I borrowed XXXX and I missed payments tried to pay so I could get back on track the constantly called several times a day for months sent letters and I finally refused to pay it cause I was being harrased on a daily basis with 15 calls a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a prior complaint about this same bank, and same account, in XXXX of 2019 ( Complaint # XXXX ) I thought that it was resolved with your help. This account has been paid off for many years. Recently I received a statement indicating that it had a balance of {$780.00}. I did not use this or authorize it, I thought the account had been closed. I called and they refused to accept a fraud report. They reversed the charge and told me they would close the account. I then received a notice that there was a balance of {$2.00}. I called again and told me they would close the account. I received a notice again today that there is balance due. They have refused to close this account, even thought it is paid in full and I have requested it be close, and they have assured me many times over the years that they would close it. Now there are multiple fraudulent attempts to take monies from this account, and they will not investigate who is withdrawing money from what should be a closed account. The bank is Synovus, please help determine if this is a case of gross incompetence of criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached 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 I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; 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 I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022... 
The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish any of these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain account in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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 XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX and XXXX  XXXX  Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was {$2000.00} worth of unauthorized charges on my account and i called chime to file a dispute. They denied the dispute and closed my account the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-22
Company: EQUIFAX, 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 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: REGIONS FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The banking institution allowed a financial depository to claim a withdrawal and refused to file a report of fraud to the financial depository about a false withdrawal the financial depository informed me that they have never received the fraud dispute from me or my bank and that it is their obligation to contact them. 

Banking institution is regions Bank. 

The financial depository is 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 monetary relief