BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the these accounts ASAP : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-08-20
Company: I.C. System, 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2022-06-22
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX 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 2022-10-27
Company: TRANSUNION INTERMEDIATE 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:
I am battling a negative account on my credit report that should not be there! XXXX XXXX flagged my account as late 30 days when it was not late! They messed up internally and they stated that the account was notated to be updated by the credit bureaus! It has now been over 60 days and I have not seen it updated! I am reaching out to the credit bureaus to honor that notation. This late payment is not only a violation of the FCRA but it is also a defamation of character and is predatory. It has prevented me from looking to purchase my home because I know it will hurt my chances. I am demanding that this account be updated to 100 % Current and paid on time status.

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 2022-11-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This is pertaining to XXXX XXXX XXXX XXXX XXXX - Account # XXXX Under the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. 

Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading XXXX Consumer Bill of Rights, but to no avail. 

I am still XXXX  and XXXX XXXX XXXX XXXX  however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores. 

This account is now over 2 years old, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, XXXX has continued to add interest, further damaging my credit score. 

In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at XXXX Consumer Bill of RIghts Article 1.

I have conveyed that I not only can not afford to pay the balance, because I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question. 

God Bless, 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 2023-07-26
Company: Foris DAX, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Thursday, XX/XX/XXXX, unauthorized charges were attempted on a locked debit card which was supposed to deny all attempted transactions. After receiving a message from Ally Bank 's fraud protection program, I checked my account to find attempted charges. After attempting 3 times to call the fraud phone number for Ally, I finally spoke to someone who said that my card would be flagged, cancelled, and a new one sent out. I was also assured that the attempted charges had been denied and would not post to my account. After getting off the phone with the fraud department, I called the normal number for the bank and waited on hold for over 40 minutes to be assured that my money was safe, my card was cancelled, a new one sent out, and that the charges had not been allowed and would not post to my account. Today, XX/XX/XXXX, I checked my bank account to find that the charges had indeed posted to my account. This is not the first time I have had a debit card number from Ally bank stolen, and I have taken measures to keep my card locked at all times and only use it for ATM withdrawals. Ally needs to be held responsible for their failures to protect consumer information.

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 2022-11-28
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A consumer transaction was done with World Finance Corporation on XX/XX/XXXX. where I was asked to submit my car title up as collateral. XX/XX/XXXX after studying consumer law and XXXX  I had questions about the consumer transaction at which time I wanted to know who was the original creditor, how did they come up with the finance charges. I asked them to validate the loan and until they do so to cease and desist. They responded back telling me they would not be reaching back out to me. But by law the didn't because they continue to report to credit agencies as if I was missing payment. Continuing to study I realized that I was to be given my right to rescind. The disclosure and the forms to do so which I never received. As of XX/XX/XXXX I submitted my right to rescind. They XXXX may have been violating my rights to rescind and by submitting late reports to my credit file after I informed them to cease and desist may be restricting me from trading in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2022-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2022 I, XXXX XXXX, was notified by HSBC USA N.A via mail that my credit card account was being sold to XXXX XXXX XXXX XXXX effective XX/XX/2022. Later I received notice that this change was postponed until XX/XX/2022. 

on XX/XX/2022 I, XXXX XXXX, sent a check from XXXX bank to HSBC USA to pay off the remaining balance of my credit card account, in the amount of {$2300.00}. 

on XX/XX/2022 My HSBC USA account showed a credit for the amount I paid via check, and my account balance was XXXX cents. That same evening, XX/XX/2022, The credit was reversed and my balance was back to original amount. 

XX/XX/2022 My account was charged a Return Check Fee. 

XX/XX/2022 I called XXXX bank and there was no evidence of a check submitted by, or returned to HSBC USA. XXXX advised me that the check was never submitted to them by HSBC USA and no check was denied by XXXX bank. I then called HSBC USA and was told multiple times that the check was returned by my bank and denied. I then proceeded to make a conference call with XXXX bank and HSBC USA on the same phone call, and was then told by HSBC USA that the check was first denied for unknown reasons. XXXX told HSBC USA that the check would clear with them, but they show no record of a check being submitted to them from HSBC USA. I was then told on the same phone call from HSBC USA that a " back department '' would need to accept the funds and my account would be paid off and the return check charge be voided. I was promised a call back within 24 hours and verification that my account was paid off and check accepted. 

XX/XX/2022 I received no phone call within the 24hr period and my account still showed the original balance. Called HSBC USA and was " disconnected ', which I believe hung up on, multiple times after explaining my situation with a new representative. Was then notified by HSBC USA after being on hold for 2 hours that they did not have the check and I would again be contacted when they research the problem and find a resolution. As of today, XX/XX/2022 my HSBC USA account still shows the original balance after a check was sent from XXXX bank in the full account balance amount, and HSBC USA is refusing to accept the check i submitted to pay this account off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
My BB & T Acct has never been late. It was an accounting issue with BB & T.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2022-08-20
Company: DISCOVER BANK
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:
I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by Discover Financial Services on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 2022-04-23
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:
Equifax is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they responded that the creditor certified that the account was reporting accurately. The information is damaging to me as a consumer. Per 15 usc 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EQUIFAX any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft. They treated my letter as if it was a dispute, however it was not a dispute, it was written instruction from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted all three credit bureaus to dispute a collection stating that the debt was not valid from XXXX XXXX services ( they filed it this month but the original account was in 2016, they also state that the debt was for {$740.00} ) I also contacted the original creator who also confirmed my claim by saying no record exists of any outstanding amount from a previous account of that amount! XXXX did their investigation and found my information to be correct and removed the discrepancy from my credit record but Equifax did not, they claimed that it was verified but not by the original creditor ( XXXX Bank ) instead they never cross-referenced the information with the original creditor, and the collection agency to insure that the information they were reporting as delinquent was correct! My complaint is this : The credit reporting agencies play a big role in the viability of a person 's life and they should do the task of an investigation wholeheartedly and always as complete and thorough as possible when short-cuts are taken the impact on a consumer could be severe and unmitigated! Equifax claims this is how they do disputes they do not check the information with the original creditor just the current reporting entity which is a disservice to anyone who files a dispute against a second or third party! They must do a complete and thorough investigation regarding all viable parties to ascertain the viability of all such claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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