BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I woke up early morning at XXXX XXXX on the XXXX of this month to an email from Chime notifying me that my bank accounts ( savings and checking ) had been closed, the email stated no reason why but noted that I would be mailed a check once the balances on my accounts settled, I had no open balances so I also should be receiving my savings in full back. 

I also was due to get paid on XXXX the XXXX and called my job on the XXXX to notify them immediately to which they said that my check for Wed had already been deposited meaning Chime has that as well and accepted a check into a CLOSED account. I own XXXX dogs and care for my grandmother with XXXX and now the XXXX of us are starving and have no food in my home because my bills and meals depend on my weekly checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2019-07-19
Company: Sterling  Hill Financial
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
This company is making me keep a 6 month contract with them for {$120.00} a month but they are only disputing one thing. For example, this month they only disputed XXXX. Also, I was laid off and can not afford the service so instead of them letting me stop using them, I have to pay them {$240.00} in XXXX. I believe I should pay only for service they are providing. I paid for XXXX which they did services for but I no longer want there service and they haven't done any service since XXXX when I paid them. 

Also, I was mislead because I signed up for who I thought was a XXXX " XXXX '' XXXX XXXX XXXX but turns out he is not actually doing the repair but Sterling Credit Group is. So I was mislead because I thought the XXXX XXXX  would be doing my credit. The XXXX advertised his credit repair on his channel through his website XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: P.S.C., Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
hello, i had assistance by the state of Washington to pay this medical bill, i also had state Washington apple health at the time of emergency. I contacted Swedish billing and told them the situation. the rep told me they took care of it and sent the bill to my insurance at the time of emergency.

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 2022-12-12
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to disputed this charge and requested validation for this account in XXXX XXXX and XXXX and no action has been taken, there has been no response and no validation sent to me.

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 2022-08-01
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
Experian has not followed its legal responsibilities with respect to accuracy in my reports. I have submitted all necessary information and they have ignored my plea to block information resulting from identity theft. They continue to lower my score and side with the big companies despite the police report and ftc information submitted to then 7 times. The results of their investigations are not clear or easy to understand. I don't see what they have resolved because the information remains the same and my score continues to decline. The information is not accurate on these accounts. This is a mess and I am tired of submitting documents that get discarded by ecperian

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 2022-08-01
Company: EQUIFAX, INC.
State: VA
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've asked several times that " XXXX XXXX XXXX '' be removed from my account as it was an act of fraudulent activity. it still hasn't been fully removed after 7 years of disputing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: UT
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 need my case reviewed. Everything is explained in the documents that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Nelnet, Inc.
State: MI
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:
In Accordance with the fair credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2022 XXXX please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.

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 2022-08-01
Company: CREDIT ACCEPTANCE CORPORATION
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 CREDIT ACCEPTANCE 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 this account is reporting open and closed at the same time, how can that even be possible account is report 120 days late and also 180 days late at the same time, how be that be this you your violating my rights Account is reporting inconsistent and inaccurate information you are alleging the negative claims still yet have NOT provided proof of truth, correctness, timeliness, and or else wise adequate COMPLIANCE to all laws protecting consumers. 

I HAVE CONTACTED THIS COMPANY NUMEROUS OF TIMES TO RESOLVE THIS PROBLEM AND THEY KEEP CHANGING MY CREDIT REPORTING EVERY COUPLES WEEKS BUT NOT SOLVING THE PROBLEM I HAVE ALSO REACHED OUT TO ATTORNEY GENERAL PLEASE REMOVE ENTIRE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

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 2022-09-28
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash App services has not only taken my legitimate student loan refund money, they are now refusing to cooperate and holding the sum ransom in the following ways : - they are not indicating why the money is being held or rejected. 
- they can not provide a timeline of when this will be resolved. 
- they are not providing any details whatsoever regarding what the issue is. 
- they are in violation of the CCPA as they can not provide any details whatsoever for fraud and theft of money that is mine. 
- The associate can not even give me their own name. 

They can not or do not even have proper procedures in place to be able to send the transcripts of the support chats when asked which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

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 2022-12-12
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:
fraud ..these are not my accounts i did not open these accounts

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 2022-08-01
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2022, I received a notification on my credit report that a derogatory remark had been placed by Aldous and Associates P.L.L.C. I have never received any form of written communication either via email or letter from this company about a balance/debt, let alone a chance to dispute such a debt. I received spam robocalls from the company number out of Utah. When I answered it was an an automated robocaller. Any voicemail I had ever received was just an automated phone number. No voicemail ever disclosed I had a debt to settle or an urgent matter at hand. I called the company-who still has not given me my account number. I explained the situation and they refuse to remove the derogatory remark on my credit even though I physically never received any written correspondence or verbal correspondence for that matter. I was willing to pay off a balance of {$76.00} that I had no idea existed but seeing my situation I requested the comment be taken off my credit report. When I asked to speak to someone higher I was told that was not possible by XXXX XXXX. I asked to leave a message and he then hung up on me. So I am still without an account number and unable to pay off this balance that I had no awareness of until today when my credit report flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number. 
Ive reached out to XXXX XXXX multiple times through phone and emails and have not received a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX had an inquiry on my account via XXXX XXXX that I did not authorize

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 2022-08-23
Company: EQUIFAX, INC.
State: AZ
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 have a employment listing that is not correct and 2 previous addresses that are wrong and 2 accounts that say charge off that are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XXXX. Asked more than once to stop the service. Letters that were written to creditors on my behalf were sent to me. I was told not to stop the service but choose a different plan. They took me down to an XXXX dollar plan. On this plan I was sent an email that I could not open. I was told to print letters off and send them to creditors. Basically this company just took my money. Nothing was done. I was told to wait 6 months for results but basically they were just stringing me along. Also someone told me about Lexington law. I went to their website started the process but never hit submit. From there they started calling me and telling me to sign up. Exactly how does this work? I told the guy I never hit submit on the initial paperwork. He assured me they could do something to assist me with my credit at a reasonable rate. I told him I didnt have money to just blow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage loan transfer to XXXX and failure to apply XXXX in funds paid since 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