BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX RE : EXTORTION RE : XXXX RE : XXXX XXXX XXXX XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXX Thomas/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hi there, On XX/XX/XXXX I purchased a flight to XXXX XXXX for a vacation with friends on XXXX XXXX : https : XXXX and paid for my purchase which included a purchase protection plan via Affirm : https : //www.affirm.com On XX/XX/XXXX, my travel plans required amendments and curiously did not receive any confirmation email with my boarding pass or itinerary. When I reached out to XXXX XXXX they said they were unable to support my request and directed me to a shady third party website to file a claim. 

I immediately filed a claim with Affirm to kick off the process for a refund. Apologies for the number of screenshots their support site would not let me view a larger frame of the conversation. 

I then filed another request on XX/XX/XXXX to XXXXXXXX XXXX to resolve the issue. I was then left in limbo and had to purchase the another flight via XXXX. On XX/XX/XXXX I reached back out to Affirm for an update, got nothing. On XX/XX/XXXX again got nothing. Yet again on XX/XX/XXXX, got nothing. Even yet again on XX/XX/XXXX got nothing. Finally on XX/XX/XXXX I got a ruling in favor of XXXX XXXX. 

I was extremely frustrated though because I did not want this to affect my credit score I paid in full immediately. However this company is clearly a fraud. I had found their yelp and there are at least XXXX XXXX star reviews from customers experiencing the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial 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 status incorrect

Complaint:
XXXX XXXX website has been down for days as well as the phone lines having a recording stating that they are unable to access accounts and to call back for days as well. They do not have an email that I can reply to which I get my statements from but can not reply. Since I can not make a payment, they are now reporting me as delinquent. 
There is absolutely no way to make payment online or over phone, I have called numerous times, and today the number states that company is closed and I called at all different times to cover all US time zones. I called XXXX as well as XXXX and recording states they are experiencing system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Kriya Capital, LLC
State: OH
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:
This is reporting on my XXXX Credence resource Account status collection Date opened XX/XX/XXXX  Past due {$320.00} I have reached out to the company to inform them that this transaction was a fraudulent transaction and I would like them to investigate and send me any forms with my signature on it. 

This is reporting on my XXXX account Credence resource Account status collection Date opened XX/XX/XXXX  Past due XXXX This is the same charge that I reported for fraud. 
Also under the ( Fair credit reporting Act 15 U.S.C. 1681 and follow ) creditors or collectors are not allowed to report inaccurate information to your credit reports. I would like these accounts removed and deleted from my credit reports immediately or I will be pursuing actions under this law. 

THIS IS AN INQUIRY THAT I DID NOT APPLY FOR. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
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: Was not notified of investigation status or results

Complaint:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-06-27
Company: EQUIFAX, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable items. 
XXXX XXXX XXXX Balance : {$140.00} and XXXX  XXXX XXXX Balance : {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX banking - XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2022-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}

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 2017-07-26
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 

I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX BANK XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$470.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2600.00}

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 2022-11-29
Company: Experian Information Solutions Inc.
State: MS
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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. 
15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of conviction 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 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 explanation
Consumer complaint received 2020-04-16
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 was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

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 2022-06-27
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Complaints XXXX and XXXX were unable to fully resolve my issue. 
On XX/XX/2021 I applied for a loan with OneMain and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( d ) ( 6 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. OneMain only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account in good standing with Gemini Trust Company , LLC of New York. My home state is Oregon where it is XXXX Gemini Exchange, LLC. I have had the account for around a year. I have used the account in the past to successfully withdraw money. On XX/XX/2022 I attempted to withdraw some funds from my account and was refused due to a 'security hold '. I filed an inquiry with the support center and was told to submit a picture of me, holding my driver 's license ( the document I used to XXXX  originally ) including the date and a code supplied to me. I did as required and have not heard back from the company since despite numerous attempts to both withdraw funds and to contact customer support and get NO RESPONSE. The open support request tickets I have with the company are : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act the following companies LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAPIO PARTNERS is reporting acct # XXXX on my XXXX, XXXX, and XXXX credit reports. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to original creditor listed called XXXX XXXX XXXX, XXXX, to release my private, confidential medical file to a third, UNKNOWN party. Any reporting of this debt to the credit bureaus without my signed permission to share may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I request immediate DELETION of the erroneous collection account from my XXXX, XXXX, and XXXX credi reports.

Company response to consumer: Closed with non-monetary relief