BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX ( XXXX XXXX XXXX XXXX ) for a semester in XXXX of XXXX. I applied for financial aid and other grants and such because I was a ward of the state and would not be receiving any aid from any type of guardian. XXXX XXXX states that if I meet certain requirements for the FosterEd program I will receive compensation for tuition at the XXXX school I would be attending. I received my bills and notices from XXXX stating that everything was covered by the financial aid I had received. I have the documents supporting this. I recently checked my credit report through XXXX in XXXX of XXXX and saw that Eastern Revenue IncXXXX is claiming that I owe them {$1000.00}. The debt is said to originate from XXXX. I have no knowledge of the debt nor did I ever receive notice that I owed such debt. I filed a dispute once and did not submit the supporting documents. They dismissed the dispute. I resubmitted a dispute with the supporting documents and was still dismissed. The first dispute was submitted XX/XX/XXXX and the other was submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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 status incorrect

Complaint:
I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: MI
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 U.S.C 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 XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates 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 know 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 2022-11-11
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: OK
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 submitted a letter to Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke with XXXX XX/XX/XXXX Carrington customer service about my forbearance request and documents that was emailed, faxed XX/XX/XXXX and XX/XX/XXXX. XXXX she was rude and hateful. Documents that were sent was requesting a Covid-19 forbearance and my burrower authorization. I was told they were received XX/XX/XXXX but were not uploaded to my file. I explained to her I had received intent to foreclose from Carrington. and I needed my request to be processed. I was affected by covid-19 and now I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid 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:
I have XXXX charges I have disputed twice with no resolution. Both charges were with XXXX different merchants both billed to a chase card ending in XXXX. 

The first was a hotel charge for XXXX XXXX XXXX XXXXXXXX ga on XX/XX/XXXX. For XXXX. The second was a XXXXXXXX XXXX charge on XX/XX/XXXX for XXXX. 

I did stay at both hotels and used points and had no charge for the room. I also had free breakfast at both. Parking was free at XXXX XXXX XXXX. XXXX had a charge but waived all my parking charges. I did not charge anything to my room on either merchant. 

I have tried to dispute these twice with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: SG and Associates
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my consumer report regarding an alleged debt back on XX/XX/XXXX that I did not recognize nor do I believe this to be any debt that I owe. As the natural person my rights have been violated by this company. I mailed a letter to the company certified with a return receipt via USPS tracking number XXXX so I know they have it by now. I'm very upset and XXXX  XXXX  because I'm about to close on my home and this is costing me time and money!!!! Pursuant to 15 USC 1692g this company has violated my rights, as this debt has never been validated nor was I provided any written notice of any alleged debt. They have also Violation of 15USC 1692e Misleading and False reporting because this is not my debt and now you have attacked my character by reporting false information about my to the credit reporting agency without my permission which is a violation of the FDCPA in accordance to my right to privacy. You can just go around putting debt on people like its a game. I'm a teacher so I'm not XXXX nor XXXX  to the law. 
If this is not deleted I will have no problem bringing legal action this company for violating the FDCPA, FCRA, defamation of my character and invoke my right to seek monetary damages under 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability

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 2023-08-06
Company: American Credit Acceptance, LLC
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 information incorrect

Complaint:
I purchase a car from car max in XXXX for XXXX dollar. I had the car until XXXX was repossessed. The finance company was XXXXXXXX XXXX. I get a credit alert that collection agency was XXXXXXXX XXXX I never received anything about how much the car was sold for or nothing. I call XXXXXXXX XXXX to see why it was on my credit for owning XXXX its no way I had this car for 6 years and still own this amount. So I agree to pay XXXX a month and reduce to XXXX was the agreement but they still have it on my credit for XXXX its making my debt on my credit high. I just want to know how much is actually own and what can I do to get the XXXX off my credit. Im trying to resolve this matter. I also reach out to credit bureaus and file a dispute and they said its accurate its no way XXXX is still owe out of 6 years. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2021-10-14
Company: SYNCHRONY FINANCIAL
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:
SYNCB
Contact
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2023-07-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX Bank furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi shut down my double cash rewards account a couple months ago and under the circumstances feel I am entitled to the cash back of approximately {$220.00} I earned this statement period Citi had shutdown a savings account that had over {$100000.00} in it a couple months ago that was never overdrawn for no reason. My credit card got closed with no notice and the only explanation they gave me was that they decided they didn't want to do business with me after closing the savings account. 

This account was never late and paid in full every month. In the five years I have had this account I didn't pay any interest. 

My complaint is that I made a couple large purchases that would have gone on another card had I been given notice they were closing the account as opposed to giving Citi the transaction fees. They conveniently close the account mid-period with no notice so I couldn't get the rewards I earned. I feel they should have given given my notice and closed the account after the cashback posted. 

I feel citi should have to give me the cash I earned this billing period seeing the account was not past due and ALWAYS paid within their terms and they closed the account without reasonable cause. If I decide I don't want to do business with Citi anymore and close the account before the statement closes, I am still expected to pay citi for the charges incurred those days the card was open and Citi should be expected to the same.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOW XXXX  XX/XX/2021 I DO NOT RECOGNIZE THESE INQUIRES AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.

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 2022-12-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

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