BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Block, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made an online purchase with XXXX beauty and used the buy now pay later service Afterpay to buy the items. The XXXX website had some issues when I placed the order on XX/XX/XXXX and my one order was charged twice. XXXX released the authorization hold for the duplicate charge and only charged me for the one time and there should no longer be a secondary duplicate debt from XXXX to be collected by Afterpay. I have contacted Afterpay multiple times and they are refusing to reverse the duplicate charges on my account or refund the money they have already collected and they are attempting to collect the rest of the false debt. If I refuse to pay the false debt or do a stop payment on the automatic collection of the false debt they will affect my credit score by reporting it as an unpaid debt. The false debt amount is {$200.00}, they have already taken {$52.00} from my account on XX/XX/XXXX and refused to refund it and they are attempting to collect the remaining amount of {$150.00} spread out over XXXX more payments of {$52.00}, {$52.00}, and {$52.00} with each payment to be automatically collected every XXXX weeks. I have tried to contact them through their messaging system multiple times and filed a dispute but they are refusing to do anything to reverse the duplicate charge and telling me I have to pay it while they give me the run around and false platitudes that they are working on the problem. Theyre also telling me I need to keep making payments on the false debt while they work on to resolving the issue. In other words they are attempting to collect money from the false debt from me and drawing out the process of reversing the charge so that they can try to take the entire amount from me and keep it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX XXXX and affiliates have violated my rights. 

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

- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Please show me proof that I gave your company permission to furnish these alleged debts on my consumer reports

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 2022-06-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reported my card lost or stolen When I return home from a trip I contacted chime bank inform them of transactions that we're posting that we're Not authorized. I also provided them with a police report number Once I received the email from them telling me that these transactions would not be reversed I requested of all information that was obtained for them making that decision.. I also requested at the time a new debit card I changed my pin. I even went to appeal the original decision not to reverse the charges as of this date my account has been closed I'm still to receive any type of written documentation for them supporting that decision to deny every single claim. When I called back to customer service and spoke to representative and I asked her what evidence supported you your claim to deny my request for reimbursement And was told then that actually no information other than the information I provided to them Was considered.. I am lost as to how a company decides decides to not Remember me for unknown spice transactions when they never requested a copy of the police report and police report and I told them that that these transactions were we're unauthorized because I was not for example in XXXX XXXX so I was not buying gas in XXXX XXXX I was not Spending money for XXXX  for 2000 and then was told that my deny was my my my claim was denied but but then I received a message from XXXX informing me is that a That a charge back is being issued by from my bank I was more concerned with the fact that I was now receiving an email from a company that I haven't signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-04-25
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:
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 rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
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: 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 rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter 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 2022-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I believe the practices of XXXX AMEX are unfair and unbalanced ( race plays a role in offering and credit limit practices ). I have been a member and have never had a late payment. In fact, I pay my credit card bill headed of time. My credit score is above 770 and I continue to have problems when asking for a credit increase. I recently asked for a credit increase from {$5000.00} to {$8.00}. They use an excuse of credit score and past due items. There are two practices being untaken by those who are reviewing the information 1. They're using old data and the information is not current and/or 2. they are Discriminating based on age, sex, and race. In-fact I believe the race factor plays a role I have a friend who has the same credit card with a credit score of " XXXX '' and he has a credit limit of {$10000.00} dollars. He is also a white male. He is the same friend who referred me to get the XXXX AMEX XXXX card. Moreover, I have less debt or zero debt on my credit report and he has used about 30 % of his lines of credit with his credit card providers. The only answer I receive when applying for a credit line is either the data their referring to is old or there is a practice of Racial  Profiling when increasing credit limits.. This NEEDS TO BE FULLY INVESTIGATED including the interest rates that are given to members based on their " score '', business type, " race  '' and business location. All or any of these ACTs are a direct violation of the Federal Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX  XXXX card alerted me of a change to my experian credit report. Saying this : A lender requested a copy of your credit file. 

Reported By Comenitycapital/acadmy XXXX XXXX XXXX XXXX, OH XXXX Reported On XX/XX/2023 There is contract information for them and they are not recognized by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received two cashier 's checks totalling {$75000.00} for the sale of my boat. 
I deposited those checks into BMO Harris bank XXXX XXXX, Florida office. 

On XX/XX/XXXX, BMO Harris credited my account for the check deposit. 

On XX/XX/XXXX, I wire transferred {$10000.00} from BMO Harris bank XXXX XXXX Wisconsin office to XXXX bank. 

On XX/XX/XXXX, BMO Harris returned the origial {$75000.00} cashiers checks as not valid. 
My account at BMO Harris is now {$11000.00} overdrawn. They also took my social security deposits to offset the overdraft.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2022-06-07
Company: Experian Information Solutions Inc.
State: NJ
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. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX  # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX , has violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX , has violated my rights XXXX  XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX , has violated my rights 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Other financial service
Sub-product: Credit repair
Issue: Excessive fees

Complaint:
Signed up for Lexington Law and was told that I can cancel at anytime called 2 days after signing up to cancel because the rep was trying to charge me XXXX dollars to start and I started that was a tad bit steep considering the amount of items I had. I was told they was going to lower the bill due to keeping me from leaving. The rep told me he would tackle the items that I requested him to. As of Tuesday XXXX XXXX, 2016 they sent off disputes for items that I did n't need them to. I called on XXXX/XXXX/16 to cancel before I was due to get charged on XXXX/XXXX/16 to cancel because I was unhappy with their services and I was told because they sent off 5 disputes in which 2 of them I requested that they do n't do it before they did it anyway. I had to pay for their services. I told them that they services was n't rendered as stated and I wo n't be paying them anything. I was told they will take the funds off my card anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Account status incorrect

Complaint:
My Experian credit report is showing a late payment in XXXXXXXX XXXX. My Bankruptcy was filed in XXXXXXXX XXXX and this account was never late up to the date of the XXXX filing. 

There are three XXXX account numbers incorrectly reporting a late payment in XXXX XXXX. 
Those account numbers are : 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