BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: OneMain Finance Corporation
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A 30 day late payment was applied to my credit report, for a card that was not activated or used. I had no knowledge of the card and the company keeps sending me emails daily requesting {$68.00} annual fee for a card that has a limit of {$500.00}. I didn't know about the card otherwise I would not let {$68.00} ruin my credit. I tried to explain this to the company and they said they would send me a fraud affidavid. I have not received it, but keep getting emails and alerts on my credit. They are dragging this process out, and I don't want to get a 60 day late on my credit while waiting. I don't want to pay for something that I didn't know anything about. This company needs to be investigated as the customer service was not helpful and trying to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing a complaint due to incomplete and inaccurate credit reporting from XXXX since being switched from XXXX XXXX XXXX XXXX XXXX On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to TransunionXXXX  within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX and XXXX-which is not reflected on my XXXX account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On XXXX website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with XXXX XXXX. Please advise to remedy this situation.

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 2021-11-11
Company: EQUIFAX, INC.
State: NV
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Westlake Services, LLC
State: NC
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:
Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020

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 2022-02-04
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. I need the following inquires to be removed ( XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company sold my loan to another Mortgage Servicer. The property was given to me fully by my divorce judge and I have faxed the new Mortgage company the Decree several times asking them to recognize me so I can continue to pay the loan, as I have for over 20 yrs. My Maiden name is on the deed as well. Now they will not let me speak to billing or send me a statement, I just keep paying the payment, but have little authority. I have asked to speak with a supervisor and have been waiting on a call that is probably not happening. When I can explain the situation to someone they have me to explain it but then say, they can't do anything, hours wasted. He lived here for about a year ; I for 22 years.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.

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 2021-01-12
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Maximus Education, LLC dba Aidvantage
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 information incorrect

Complaint:
I have been stressed, Depressed & On the verge of a XXXX XXXX XXXX. I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, XXXXossible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from Citibank informing me that they had downgraded my credit card from an {$8600.00} Credit Line and {$2000.00} Cash Advance Line to a {$1000.00} Credit Line and {$0.00} Cash Advance, on my CitiBusiness AaAdvantage credit card. 

The letter stated that Citibank received a credit score from XXXX  for me of XXXX, which they used to make this decision. However, when I logged into my " XXXX  '' account, I found that my Credit score was XXXX ( Excellent Credit ), which is the credit rating that I believe I always had. 

Citibank sends periodic " Soft Inquiry '' requests to XXXX to insure that my credit rating has not changed. I believe that Citibank somehow either received an erroneous response to their last Soft Inquiry from XXXX, or that CitiBank had some processing issue and did not process the XXXX report properly. 

I can not get either CitiXXXX or XXXX to provide me with a copy of the Soft Inquiry in question. CitiXXXX refuses to re-instate my previous credit line, even though I have excellent credit and my current credit rating as of XX/XX/2021 is XXXX on XXXX. Citibank suggests I should dispute the credit report that they received from XXXX, but they will not provide me with the report that caused them to downgrade my credit. Since my credit rating/report/score on XXXX is near perfect, I don't have any cause to dispute information on their website, or with the credit report that they provide to me directly. 

I need help to force CitiBank, and/or XXXX to provide me with any documents that caused this downgrade. 

Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
Statement is Stating on XX/XX/XXXX was my beginning balance after cashing my IRS check. They charged 4percent of I believe {$4000.00}. The lady quoted me a lower amount but failed to do so saying that it was her computer and could not correct it. 
The Ace check cashing place did not have enough cash on hand to complete the full amount. Putting {$2200.00} on one of their prepaid XXXX account XXXXXXXX XXXX cards which opened some account. They charged me fees per month just having the card in addition to application fees, and Foreign transaction surcharges. Also, municipal online payments for unknown payments/bills. I can give more details of the exact dates, amounts, and times of these things listed above. Thank you for all your help in what you and the staff do for us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: WA
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:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! XXXX attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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:
As of XX/XX/XXXX, last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is reporting a pass due balance of : - {$120.00} - {$420.00} on my Consumer Credit Report. 
I do not have a contract with XXXX financial. 
This is a violation of 15 U.S. Code 1692j ( a ) Please note on attached document XXXX is not the original creditor Furthermore this account is being reported as " Loan Type - Collection Agency/Attorney Violation of 15 U.S. Code 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$12000.00} XXXX XXXX XXXX / XXXX / {$3100.00} XXXX XXXX XXXX / XXXX / {$750.00} XXXX XXXX XXXX XXXX XXXX / {$1800.00} XXXX / XXXX / {$3700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2021-03-22
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My pay was garnished {$500.00} by a company named Cach LLC or XXXX and XXXX PA. My payroll team stated that there was no other information given. He have me the filing information which had an address I have not lived at since XXXX. I was never notified of these proceedings. I contacted the court system who signed the docket and they stated that they did not have a number to contact the company either, but I could file and exemption to stop garnishments and get a court date. The court representative also advised me that this case was originally filed in XXXX which is beyond statutory limitations. She stated that she couldnt give me much more information. I tried to research judgements and debt that couldve possibly been on my credit report and concluded that this debt is not mine. I researched the company and found that they are known for attaching debt to people that doesnt belong to them. Im a single mother of 5 and I cant afford to have {$500.00} taken from each paycheck.

Company response to consumer: Closed with explanation