BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.

Company response to consumer: In progress
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: VA
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 credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions Account XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX violations Account XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can last activity be before account was open Three violations XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can that last activity be before the account was open? 
Two violations XXXX XXXX XXXX XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
One violation XXXX XXXX Equifax Date XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
Two violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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 have sent out multiple certified letters to XXXX, XXXX and Equifax XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. XXXX also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Genesis FS Card Services, 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:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: General Motors Financial Company, 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 information incorrect

Complaint:
I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: LA
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 constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items

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 2022-07-11
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/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 2023-04-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed and account that was sent to COLUMBIA DEBT RECOVERY LLC XXXX XXXX account # XXXX in the amount of {$12000.00} for an apartment complex I never lived in and I have already sent them my lease during the same time as the apartment complex that reported my account to the collection agency. The name of the company that reported my account was XXXX XXXX and I have never been associated with these apartments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: DISCOVER BANK
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. 

Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. 
Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. 
If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX and placed in default by XXXX. The real U.S.Department of Education General Counsler said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. XXXX if yu have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the E-Sign Contract for verification, their is no address of mine the po box does not exists. A school code was used for consolidation from the University XXXX XXXX XXXX. The University XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX Bank and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX Bank in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. XXXX stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. XXXX you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. XXXX you have damaged my credit reports and score for greed. XXXX send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. XXXX you have prevented me to obtain a mortgage. XXXX send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XX/XX/XXXXin XXXX an the real U.D Department of Education

Company response to consumer: In progress
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I obtained a loan, which functioned like a credit card ( though I never received a physical credit card ), from Synchrony Bank. Upon paying the full balance of the loan, I asked for my account to be closed and for my personal information to be deleted. I was assured both were handled. Today, I received an email from Synchrony Bank concerning an unrelated matter of no consequence to me, other than the fact that I was emailed means Synchrony still has my personal information in their database. I would like 100 % of my personal information to be deleted, so I called Synchrony and was basically given the run around. The last person I spoke with informed me that Synchrony can't delete my personal information, but would never use it for anything. The email I received leads me to believe Synchrony may have suffered a data breach, meaning my information, along with that of thousands or millions of other people, may have been stolen. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF form to update my monthly tracked payments in XX/XX/XXXX. The payments were never processed or updated. I tried to follow up by phone and there is no option to speak directly with an agent. I resubmitted a new form ( and asked my employer to re-do their portion ) and submitted in XX/XX/XXXX. I received a PDF form through my MOHELA account that the form was missing employer information in section 4 that is NOT missing. I attempted to send a message through the form and the site redirected me to call them ( it did not allow me the option to send a message about PSLF through their site ). Again, there is no way to speak to an agent : just pre-recorded messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: DE
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-07
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing have been unwilling to accept facts from the XXXX XXXX Bankruptcy XXXX of Alabama. On XX/XX/XXXX in the response to the CFPB complaint filed XXXX XXXX, XXXX Shellpoint stated the loan was past due for XX/XX/XXXX through XX/XX/XXXX. This information is incorrect and can be proven ( Bankruptcy XXXX denying Motion for relief from stay will be forwarded ) This information shows the debtor cured the debt. Shellpoint chooses not to accept bona fide credible errors of evidence made at the hands of XXXX XXXX XXXX XXXX XXXX XXXX without specific reasons to the borrowers. We disputed portions of the debt due to a ( XXXX ) accident the insurance claim was paid to XXXX. We have requested the names and amount/addresses of every creditor that was said to be owed. We have not received the information as to this date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Emerald AR Systems, LLC
State: AZ
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:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Emerald AR Systems I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement with a XXXX dollar balance. I sent a secondary letter requesting this information be deleted in XX/XX/XXXX and have not received a response in regards to this.

Company response to consumer: Closed with explanation