BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
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: 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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX- Account Number : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-07-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX  XXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX- Account Number : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-07-01
Company: CURO Intermediate Holdings
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:
I received a certified mail was received on XX/XX/22 by XXXX XXXX XXXX XXXX requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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 procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Name : XXXX XXXX XXXXThis name is not MINE, Please remove as Per FCRA 605B. Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items areinadvertently resulting in me being extorted.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTOM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERROS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT CASE, PLEASE REVIEW THE DETAILS IN THE FILES.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Since XX/XX/23 I made a claim for {$2100.00} and claim was received and investigated from my child support debit card the funds were taken off of my card and transferred to a XXXX account that I never owned. This transaction took place on XX/XX/23 I didn't know about it until XXXX because I wasn't getting any alerts that I was receiving benefits on this card as the company changed child support debit cards to new Bank of America cards. I spoke with representative on XX/XX/23 & XX/XX/23 and it seems they didn't even bother to take their time out & just dismissed my claim. So I requested for a reconsideration because I wasn't at fault. They need to have their systems updated for transaction alerts as well as fraud alerts. I am waiting on a letter from them in mail hopefully I get it so I can proceed with a full police report. I shouldn't have to be going through this for my child support money. Claim number XXXX for Bank of America XXXX child support debit card.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 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 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 2022-12-01
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX I spoke with XXXX XXXX XXXX XXXX id XXXX ) and then XXXX, XXXX XXXX id XXXX ) and complained that they were charging monthly interest at the rate of {$26.00}. My current balance is {$1100.00} with {$27.00} monthly in interest charges. I complained to both reps that this was balance was becoming difficult to pay down based on that charged interest rate and requested a reduction to same. I have always been a responsible paying consumer having made all timely payments. Both reps refused a resolution to ease the payment and during a time of severe inflation and job loss. I find it completely unacceptable that a company can charge a consumer such an astronomical amount of monthly interest which would only serve to hurt a consumer. At the interest rate of {$26.00} this balance would be extremely difficult to pay down. This is a XXXX XXXX XXXX XXXX. I appreciate all the help and assistance you may provide as they were unwilling to offer any such resolution to the matter. This to me seems fraudulent and misleading by a company that purposely places a consumer in direct financial harm. Thank you.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: TN
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:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy 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 2022-07-01
Company: EQUIFAX, INC.
State: TN
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:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent XXXX, Transunion, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account.

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.

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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CFPB did not solve and to did not transfer into my complaint another solve or district Court for 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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a balance with Bank of America and I made the payment in a period of XXXX  years they keep charging me late fees and they raise the interest rate without my contest

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
Consumer complaint received 2022-12-01
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Firstsource Advantage LLC in XXXX XXXX  referencing XXXX Claim Number and Reference no. The company claims I had written a check to XXXX XXXX which has been turned over to them for collection. The check was for an amount less than {$8.00} and in addition I owe another {$25.00} for their collection service. I have verified online and with my bank that this check cleared. On XX/XX/2022 I sent a certified letter to Firstsource letting them know that the bank shows that the check had been cashed. Additionally I contacted the XXXX XXXX telephone number on my statement and they confirmed that they show the check cleared in their system. I have not heard back from the company. Meanwhile, I went to pick up groceries at XXXX and they were unable to cash my check due to an adverse notice from XXXX. I have spent an inordinate amount of time trying to understand why they are claiming that the payment I made to XXXX did not clear and whether the claim is a mistake or fraud! Thank you for your help. I have documentation I can submit. Please let me know if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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, 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 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 explanation
Consumer complaint received 2022-07-28
Company: Merchants Acceptance Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I had a account with XXXX that went into default in XX/XX/XXXX. I had decided to return the vacuum cleaner to the company and placed it on my front porch for pickup. The XXXX rep stated they never received the vacuum. The account was charged off and sold to the collection agency Merchant acceptance. My contact with Merchant acceptance was minimum since I did indeed leave the vacuum on my porch for pickup. Today XX/XX/XXXX my mortgage lender informed me that there is a civil case against me from Merchant acceptance, however, I was never served nor informed of any court proceedings and or the intent to sue. I verified the case online at the XXXX county court online. I called Merchant acceptance today XX/XX/XXXX and they said I was indeed served in XX/XX/XXXX. I informed them that I was never served and had absolutely no knowledge of the legal proceedings. The Merchant acceptance representative said the party that supposedly served me gave them a description of me. The Merchant acceptance representative said I was XXXX, I was XXXX ft XXXX, XXXX pounds, with XXXX hair, XXXX eyes, and am XXXX. However, on XX/XX/XXXX I had XXXX hair with a small amount of XXXX at the back of my head, I was XXXX pounds, and I am XXXX ft XXXX. He asked if maybe 1 one of my daughters answered the door and accepted the court papers but my children were XXXX and XXXX XXXX XXXX. I asked the merchant acceptance representative if he could do anything about this since its illegal and he said there is nothing that can be done because they paid someone to serve me and the person signed the court document under penalty of perjury but that does not change the fact that I was never served nor did I have any knowledge of the court proceedings. I would like this account to be removed from my credit report and the civil case dismissed since the notice of service was a forgery.

Company response to consumer: Closed with explanation