BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Selene Finance LP
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: Investigation took more than 30 days

Complaint:
1. In a letter dated XX/XX/2018, I requested Selene Finance , Inc. ( " Selene '' ),  my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, Selene 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and XXXX credit reports on XX/XX/2018, well after Selene 's deadline of XX/XX/2018. Again, Selene was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified Selene that it had not placed a notice of dispute on my XXXX, XXXX, and XXXX credit reports within 30 days. Thus, federal laws requires Selene to completely remove the items reported late from each of my credit reports. 

4. Selene still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions 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:
Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that information

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 2023-08-11
Company: WELLS FARGO & COMPANY
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it tracked both ways. I have done nothing to violate any regulations. The CFPB provided the complaint system. I provided Experian with all the required information to identify me through the system...

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 2023-01-06
Company: Experian Information Solutions 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 am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Experian, I have circled the items I dispute on the attached copy of my report. 

XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX I am requesting that the items be removed immediately as those accounts is not mine. 
Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. 
please investigate this matter and delete the disputed items as soon as possible. 
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 2022-09-15
Company: GOLDMAN SACHS BANK USA
State: OK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Kriya Capital, LLC
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 : CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
XX/XX/2023 the Executive Director of XXXX, XXXX, a 501 ( c ) 3 non-profit corporation received a call from XXXX at XXXXXXXX XXXX XXXX. See Exhibit 1 This telephone number belongs to G. L. A. Collection Company, Incorporated, ( henceforth G.L.A. ). See Exhibit 2, Respondent G.L.A.s Contact Us website ( https : //glacompany.com/contact-us/ ).

The caller identified themselves as a debt collector and divulged the amount of debt they sought to collect. See Exhibit 3 G. L. A. had been sent a dispute of this debt from the undersigned law firm XX/XX/2023. See Exhibit 4. 

G. L. A. is in violation of the Fair Debt Collection Practices Act, 15 USC 1692b 804 subsection ( 2 ). Respondent G.L.A. clearly identified themselves as a debt collector in violation of the Act and disclosed both the existence and the amount of this purported debt. 

FURTHERMORE, G. L. A. violated subsection ( 6 ) of the Fair Debt Collection Practices Act, 15 USC 1692b 804 in that Respondent had been in communication with the undersigned ( Exhibit 4 ), knew that the undersigned was represented by counsel and nonetheless chose to look up the partner of the undersigned and call them, at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Investigation took more than 30 days

Complaint:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: DE
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

EXPERIAN 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 2023-08-11
Company: TRUIST FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B This debt was sold

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 2018-08-30
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: Personal information incorrect

Complaint:
I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 balance owed on my Card was {$170.00}, I paid this in full on XX/XX/2022 resulting in a XXXX balance. 

XX/XX/2022 XXXX charged interest on a XXXX balance of {$1.00}. 

XX/XX/2022 XXXX charged interest on the interest balance now {$3.00} XX/XX/2022 XXXX charged interest on the interest balance now {$7.00} etccc, XXXX is charging me on a interest fee that I do not owe. I was not aware of these interest charges. per XXXX I now owe a total of {$31.00}. XXXX  now reported this as delinquent to the credit bureau. My XXXX XXXX has dropped XXXX points. This is not right. Please help. I have proof of payment. I dont know what else to do. I called XXXX and they say I owe the interest. I do not feel that I owe this. How can I be charged on a XXXX balance. 

I have called and asked to speak to a XXXX two times and both times I was hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: Transfinancial Companies, Inc
State: LA
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 have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX and XXXX XXXX breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A friend sent me a check for XXXX and I deposited it into my checking account with Capital One Bank. I XXXX him {$2400.00} and sent him {$1100.00} in XXXX gift cards. He told me that the check was cleared and he made me send him his money when I did not want too. He also is sending another check in the mail tomorrow going to turn it in to the police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2023-08-11
Company: Caddis Funding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as ofXX/XX/2006. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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 recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit 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 2023-08-11
Company: Diversified Recovery Bureau LLC
State: NY
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 started getting calls from someone years ago in ref to a XXXX XXXX  and I told them that this account was opened up fraudulent, I told them that my father who is deceased now stole my information and did this, but what was so alarming that this company allowed someone to fraudulent get this information without proper identification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX 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 2023-08-11
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as of XX/XX/XXXX. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was at a pnc ATM at a XXXX gas station I used my XXXX XXXX card to withdraw {$220.00} it said it couldn't do the transaction an then gave me my card back an then {$220.00} was all the sudden taken out of my account for the transaction but never dispensed any cash I went to the manager they said they don't deal with it to call the ATM place. I called PNC. They told me to go down to the nearest branch. I did that and they wouldn't give me any help or money. They told me I had to refute the transaction with XXXX XXXX so I did that and they said it could take 10 days if they'll even do it when PNC is the owner of the ATM and it didn't give me any money but took the {$220.00}

Company response to consumer: Closed with explanation