BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. 

In line with 15 USC 1681, Section 604 ( a ) ( 2 ), I want to highlight that any disclosure of my consumer report must strictly adhere to my written instructions. As of now, neither the financial institution ( furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and Experian ) possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. 

Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the furnisher of information to credit agencies failed to provide me with an explanation of how I can exercise my right to nondisclosure. 

Moreover, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in a consumer report without authorization. The current reporting of adverse information without my permission is a violation of this provision. 

The FCRA, in 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, explicitly states that furnishing inaccurate information to consumer reporting agencies is prohibited. XXXX and Experian, by not maintaining reasonable procedures as required by 15 U.S. Code 1681e, are failing to abide by the law.

Lastly, following 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services at any time. It is imperative that my wishes are respected and that my private information is handled in strict compliance with the relevant statutes and regulations.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I did XXXX XXXX transactions, {$190.00} each, through my Chase app which were errors. I contacted my local Chase department the next day and was told that the transactions could be canceled and the money should be returned to my account once the transactions were cleared. 
I called the bank 's online support on XX/XX/XXXX, and explained the situation, and asked to reject the error transactions. I filed a claim under XXXX XXXX XXXX, XX/XX/XXXX, Chase sent me a notice that they were not planning to resolve this issue or return the funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has reported your account as over or at your credit limit. Experian and this company is not trying to work this situation I ask them to verify the information send me a contract on validate the debt owe in they hit me with im over the limited I also gave a police report on the debt it was also remove in put back on by ExperianFor example, in a copyright infringement lawsuit, section 504 of the Copyright Act provides that the copyright owner may elect, at any time before final judgment is rendered, to recover, instead of actual damages and profits, an award of statutory damages for all infringements involved in the actionin a sum of not less than {$750.00} or more than {$30000.00} as the court considers just. In a case where the copyright owner sustains the burden of proving, and the court finds, that infringement was committed willfully, the court in its discretion may increase the award of statutory damages to a sum of not more than {$150000.00}. In a case where the infringer sustains the burden of proving, and the court finds, that such infringer was not aware and had no reason to believe that his or her acts constituted an infringement of copyright, the court in its discretion may reduce the award of statutory damages to a sum of not less than {$200.00}.

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 explanation
Consumer complaint received 2022-09-23
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + ACI, I received mail from ACI that I owe a debt I do not recognize. I am requesting validation of this debt- please see below and attached. 

Attached to this complaint are : - drivers license - for ID as well as address To whom it may concern, On a recent review of mail, I discovered ACI, claiming I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries were unauthorized without consent. 
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 2022-12-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing. 
In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms. 

One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different. 

I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau. 

My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued. 

XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home. 

XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Lake Area Collections, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The collection agency Lake area collection is violating my rights under the No surprise Act of 2022. I have a medical bill in the amount of {$330.00} from XX/XX/XXXX that an out of network provider is charging without my prior authorization. I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Modern Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Both accounts were closed and charged off in 2015. 

Amount owed for both accounts has increased multiple times, and accounts have been reported as new delinquency on an annual basis, resetting the clock. 

The original creditor can not validate the amount owed/charged off. The collection agency is unreachable by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: MD
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 # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX am complaining about XXXX XXXX XXXX under the account # XXXX in which this account contains fraudulent charges and was opened fraudulent and I have no idea who the person is. I have attached the FTC reports pertaining to this fraudulent account and am pushing to have this removed from my Transunion credit 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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX account Number XXXX, XXXX 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

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 2022-07-29
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a XXXX cell phones services for my family from XXXX. 
I bought them from their website and connected during covid coz stores were closed. 
We put the account on Autopay since the beginning of the account. 
I suddenly see a letter came to us saying that my XXXX account is in collection for 2 diff bills on {$18.00} and {$54.00} that I am not aware of. XXXX customer services say they created sub accounts. 
I never got a bill or nor should I coz they are not my account number. 
So I disputed it with the customer service rep and they said it has gone to collections and I have to pay to save my credit. That was ridiculous. 
So I wrote to the collection agency saying these are not my accounts. Not sure what a sub-account is. Asked them to remove it from my record. My credit took a 54 points dive due to this. I need help to maintain my credit with this big corporate giant.

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 2022-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Unfortunately a few months ago one lady she called me at XXXX XXXX and she asked me for invest some money on XXXX XXXXXXXX and after a few months she asked me to transfer all my amounts and balance to exchange currencys company with their app, but every thinks was good, and every day my amount and my assets grows up and finally when i decided to withdraw my money i got scam, and i saw it was completely i fall in prey, and now I dont know what shod i do, i called many times with crypto and my bank wells fargo, but they dont have any solutions, this was around {$80000.00} and I invested into crypto then with digital wallet i sent to that comapny exchange curreny name was facoinplus.com So now i have nothing i am in red and broke, i lost my job my house, i XXXX  in the car for XXXX  months and i have nothing to do, please help 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 2022-12-04
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX. I used Square to process payment for my business but Square decided to deactivate my account. 

I had about {$1200.00} in my Square account prior to deactivation. Then Square refunded this amount to the cardholder who sent this payment to me without my consent. 

However the cardholder told me that her bank account was closed and her bank returned the deposit back to Square. This is because once an account is closed, all deposits are always returned to the originator and that was the case. 

This funds was supposed to have come back to my Square account because it was returned back to Square by my clients back account. 

But Square has refused to give me this money. 

I raised this issue and contacted Square support and they said they would get in touch within 1-2 business days, but no success. 

A member of Square account service team responded to my case and said I would have my money on XX/XX/2022, but these are all lies. 

I need my money. 

Email associated with my Square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: The Moore Law Group
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX indicating I was disputing accounting under the XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX  of XX/XX/XXXX I received a Summons from the law firm of THE MOORE LAW GROUP indicating they are representing XXXX XXXX and suing me. I believe XXXX XXXX has not followed dispute procedures. The MOORE LAW GROUP has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Affiliate Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have XXXX times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address

Company response to consumer: Closed with explanation