BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
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:
Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. XXXX, XXXX and Experian are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!

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 2023-06-19
Company: Experian Information Solutions Inc.
State: CA
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX 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 2020-04-10
Company: EQUIFAX, INC.
State: SC
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:
I contacted Equifax numerous times and also try to dispute online. My information and account information is incorrect. accounts have been removed, which are still open. Account balances have decreased, when they have not. closed accounts open with balances. and numerous more issues. This has drastically dropped my credit score. 
When I call for assistance I am told that I am not giving them the correct information that is on my account, which is not the correct information and there is nothing they can do to assist. I have asked to speak with a supervisor and I am told that there is no one else I can speak with. the caller was in XXXX XXXX, which I thought was odd. I am trying to get a loan for a new home and this is affecting my credit score and can not get anyone to help me from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: ONEMAIN FINANCE CORPORATION
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:
Onemain XXXX, IN XXXX ( XXXX ) XXXX This is showing on my XXXX Report. I do not recall every trying to sign up with OneMain. I'm afraid there has been some sort of identity theft. 
I do receive a lot of mail about loans. Not sure if someone tried using it for their benefits? Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SECURITY CREDIT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to XXXX should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. XXXX and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. XXXX is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer 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 explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Only XX/XX/2018 i upgraded my Equifax membership with the Equifax 3 Bureau Credit Report and Score which is offered on the equifax website. 

I noticed with this 3 Bureau Credit Report and score, both my Equifax and XXXX did not generate my current credit card although it was reported and both showed a much lower credit score Equifax went from XXXX to XXXX although i have no negative accounts or late payments. 

I called Equifax on XX/XX/2018 when i was made aware of this. I was also told there was a glitch, I noticed Equifax was reporting a fake score for both Equifax, XXXX and XXXX   and i made the employees and supervisors aware of this. 

During the week of XX/XX/2018 i was told the errors would be corrected and updated in a in 2 - 3 days, so i waited and nothing happened.

I Called back again on XX/XX/2018 and was told by Equifax they are aware of this credit score and reporting glitch and they are working on it and it would be fixed by XX/XX/2018. 

Instead of calling back on XX/XX/2018 i waited until Tuesday XX/XX/2018 to try and get an accurate credit score and report, and was told they are still working on it by a supervisor and was told this glitch would be fixed on XX/XX/2018. 

So i waited a few extra days to call back and made another phone call on XX/XX/2018 and spoke with an Equifax employee and was told they are still working on the credit score and report glitch, this employee told me i will need to wait 7-10 additional days for this error to be corrected, i told this employee i have been waiting on a fix to this fake credit score since XX/XX/2018, this employee responded sorry sir there's nothing i could do about it. so i asked to speak to a supervisor, the Equifax responded he will tell you the samething. 


Finally after 15 mins of being on hold on XX/XX/2018 i was transferred to a very rude, nasty, and disgusting Male Supervisor by the name of XXXX, very trashy and dismissive attitude, I tired to tell this supervisor the problem, but he kept cutting me off and talking over me, finally when he allowed me to get a word in, I told him this has been going on for weeks and nobody has solved the issue and everyone is telling me the same. 

Supervisor XXXX responded it will take 7 - 10 days to solve this problem, i explained that i received similar reply 's weeks ago and nothing has happened. This supervisor started to become rude and nasty, telling me i need to hangup, why am i still on the phone etc ... They way he responded didn't seem real. it was shocking! 

and as of XX/XX/2018 Equifax is still displaying fake credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2019-01-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received the following email from Paypal today : Hello XXXX XXXX, We wanted to remind you that you currently have a PayPal Credit account that is not linked to a PayPal account. 

How PayPal Credit Works PayPal Credit is a digital, reusable credit line. When it is linked to a PayPal account, it can be used anytime by checking out with PayPal at an online store and selecting PayPal Credit. 
Special Financing Basics PayPal Credit offers No Interest if paid in full in 6 months on purchases of {$99.00} or more. 

If you do not pay the promotional purchase in full in 6 months, interest will be imposed from the purchase date at the variable Annual Percentage Rate ( APR ) that applies to new purchases made on your account when the promotional purchase is made, which as of XX/XX/2019 is 25.99 %. This APR will vary with the market based on the prime rate. Minimum monthly payments are required with this promotional offer. See terms. 

This is not an introductory offer and is available on every purchase of {$99.00} or more when you checkout with PayPal and select PayPal Credit. 

You can begin using your credit line by linking it to a new or existing PayPal account.

I never signed up for this product. I believe that PayPal has had prior CFPB action taken against it for this exact behavior.

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 2020-06-05
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my XXXX 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 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 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 2020-12-03
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ARVEST CENTRAL MORTGAGE  XXXX This account should not be reporting any late payments. Our credit report shows " Account 120 days Past Due Date ''. 

This is INCORRECT. Arvest approved a FOREBEARANCE plan which was followed and there should be NO NEGATIVE mark on our credit file per the Agreement made. Delete the errors right away or remove the account off our credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX 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 an 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 2020-04-10
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I recently had to sign up for unemployment, unfortunately the money was loaded onto a 10 year old reliacard  that I no longer have. Upon realizing this I attempted to have a a new card issued. On XX/XX/2020 I called the reliacard  customer service department where I waited on hold for almost 4 hours only for the line to disconnect. I decided to try again this morning XX/XX/2020 at XXXX. Each time after waiting on hold for 2 hours the line would disconnect. This happened SEVERAL times. While I do understand that in the time of this terrible pandemic things are behind & wait times are long, this company could at least do customers the decency of not just disconnecting calls after having people on hold for hours. I still have no resolution for my card nor can I access my unemployment money so I can pay my bills.

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 2022-03-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : 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 2022-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 aN 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