BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 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 explanation
Consumer complaint received 2022-09-20
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting XX/XX/2022 credit control LLC call me at XXXXXXXX XXXX  mountain time for XXXX XXXX XXXX telling me about a debt I owe I explain that I didnt have the money to pay the debt. The next day the company call again XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX I told them that yesterday I spoke to someone and explain I dont have the money to please stop calling me. On XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX another call. Another call on XX/XX/XXXX at XXXXXXXX XXXX  eastern standard time from XXXX XXXX XXXX and again today XX/XX/XXXX at XXXX XXXX  eastern standard from XXXX XXXX XXXX. The law says The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to {$1000.00} in damages, along with court costs and attorney fees.

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: EQUIFAX, INC.
State: IN
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/22 I received a letter from a Debt Collection law firm in Florida however the Law Firm page was hiding the real Law firm and hired someone not registered in Ohio to act as a consultant lawyer and have tried to raise the money in debt owed from {$300.00} to like {$800.00} and their website doesn't feel safe or secure if this is happening and has tried to harass me

Company response to consumer: Untimely response
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX so where is the information coming from? Who was on this joint account? This information is violating the fcra. They sent me a letter stating they are not going to reinvestigate this account. they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
If they had investigated properly, rather than use the e-Oscar system, they would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though their company claims to have verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : 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 2022-08-22
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 XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A 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 with out my written instructions. XXXX XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number 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 2022-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 did not consent too and benefit from or authorize any of the accounts listed in the attachments. 
Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Reference to the violations listed in the attachments section.

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 2022-09-20
Company: EQUIFAX, 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 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 2021-10-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was victim of identity theft and I lost everything

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 2021-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: Account status incorrect

Complaint:
CFPB + Experian, As of todays date, XX/XX/XXXX, I pulled my Experian credit report - it shows a 60 day late payment on XX/XX/XXXX from XXXX  XXXX. 

I have a letter from XXXX XXXX to *remove* this 60 day late payment from my credit report. 

To this complaint I will attached : - drivers license - social security card - address - screen shot where 60 day late payment shows on credit report from XXXX  XXXX - my written complaint - letter from XXXX  XXXX Please have this removed as soon as possible as I am buying a house and this is damaging my credit.

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 2022-11-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls almost at every hour. I've blocked the number but they still call using a different number ; I'm still able to see on my caller id that it's Midland Credit. On XX/XX/ at XXXX I said to the individual calling to put my number on their XXXX XXXX They called again today XXXX  at XXXX. I did not answer. But having calls from them at every hour feels like I'm being bullied, harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, I currently have a XXXX XXXX credit card through Comenity Bank. I noticed on Thursday, XX/XX/XXXX, when I tried to use my card at a gas station that it was denied when it should have gone through. I checked that night and wasn't able to access my account through their online portal as it said they are undergoing scheduled maintenance. I continued to check each day through today, XX/XX/XXXX, and the site is still down for " scheduled maintenance ''. 

I still can not use my card, and I am unable to see my statements to make a payment that is due next week. In addition to being down for 5 days, when you try to contact the company using the numbers provided on their site, you get an automated message that says due to unforeseen circumstances, their customer service is not available. 

At this point I am getting very concerned about why their site is still down, why they are unable to be contacted, and why my card is not working, as well as how I am supposed to submit a payment to avoid late fees and a missed payment on my credit report. 

I am unsure how to proceed, or who was best to report this to, but I am sure others are in this predicament too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Self Financial Inc.
State: NV
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:
There is an account that shows on my credit report, the name of the company is Self/XXXXXXXX  XXXX it shows the account was opened on XX/XX/XXXX, for the amount owed of $ XXXX.This account is not mine. I have an account with this company, this account I have not participated in or had any knowledge of this account. I am concerned with the company 's legitimacy with the accounts that I do have there are multiple inaccuracies, I have never had a late payment. On XX/XX/XXXX, I checked my credit report and filed a dispute. I'm in the process of taking each step from the company to get this matter resolved. I was told to submit a police report, an identity theft report. I am concerned that my information has been compromised and used for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to remove the inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including this again. 
XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company 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 2023-09-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me by phone numerous times and hung up on me without speaking to me. When I finally spoke to someone they directed me to a website that was different form the public website to see the debt. When I said I would not. I would only go to a site I could go to via web search. I found the company site. I found the payment portal and input the registration numbers they gave me and received an error message with 5 attempts same message. I requested a statement in writing. They refused saying they could not send me a statement in writing. The caller had no way for me to validate them independently. This company is creating security risk for consumers. This all occurred during the month of XX/XX/. I attached screen shots of the error message, the public site I visited, and the site from the e-mail XXXX sent to spam and the caller insisted I should use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In response to Transunion keeps re-adding the website XXXX to my credit report after they lost disputes at ever credit bureau even at Transunion due to identity theft. After Transunion released this is one of their advertiser who buys adspace on their website they quickly froze my account leaving free to any hacker or anyone who purchase my info from the dark web due to XXXXXXXX  and XXXX  leaks . They turned off my removed credit freeze and fraud alerts for weeks so they can add their advertiser back on my CR just because he asked them to? Is that not Breaking the rules of FCRA many times over and over again? It sure is, so lets get something done about this. before I get the law involved. 

Transunion just keeps lying. in all of their responses to my complaints and someone working at CFPB for them has been deleted the worse ones not just closing. Which involves Accessing CFPB database database you are using Without permission. 

in response to complaint ID : XXXX Lie # 29 Transunion quotes this on XX/XX/2023 to the complaint yesterday they started " no credit card from XXXX  was found listed at the address I posted on my FTC REPORT. " Which is 100 % a lie once again. I will upload the first 2 pages of a letter from XXXX  and any investigator beit the police which states this address they have just lied about yesterday. XXXX you are able to start using any credit card instantly before it gets to your mailbox by using a virtual version. My mother lives at my home.

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 2022-11-29
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case # XXXX My cash app was hacked by people I don't know... When I made a report/ claim I was told not to worry .. they are working to fix the issue of me being hacked and XXXX $ being stolen from my account.. upon further investigation... I noticed all my information on account page was all different/ changed to the hackers information... I told the operator / tech I spoke with about this .. she helped me change my information back ... THEN... In process of making a decision to refund my stolen money the cash app people sent an email to my hackers... Asking them if there was an issue with MY account.. of course they said no being as they just got away with stealing XXXX $ from me... I'm sure they found this hilarious, however myself, being as I'm on a fixed income living from check to check, found this a huge inconvenience to me. 
Please help me right this unjustified wrong doing by the cash app company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter to 3 credit bureaus on XX/XX/XXXX to Investigate the Erroneous Accounts : XXXX - XXXX XXXX XXXX XXXX Late Dates : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX Late Date XX/XX/XXXX that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2022-09-20
Company: MECHANICS BANK
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
n XXXX of XXXX i filed a dispute on Mechanics bank for being inaccurate and this item from Mechanics Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law XXXX report # XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation