BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
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: Account information incorrect

Complaint:
I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the XXXX charged off accounts that are being reported by XXXX XXXX XXXX. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with XXXX - XXXX charge off is showing XXXX days past due XXXX times when it used to list XXXX. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over XXXX years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the XXXX bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
The situation is not entirely clear, but one thing is evident : the inquiry was carried out without my approval and was initiated by the creditor without my agreement. It is crucial to remove it promptly.

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 2022-10-13
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:
In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX, Account # XXXX and Account # 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

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 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX  has violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On Saturday XX/XX/2023 I opened a new CD with Synchrony Bank. The funds used to fund the new CD account was an INTERNAL TRANSFER from a Synchrony savings account. The funds were taken out of the savings account immediately and the CD was opened immediately. However the CD was now dated Monday XX/XX/XXXX and not the XXXX. This is not what I wanted as I have CD 's timed for reasons that not important for me to disclose. What and when I want to do with my money is not for the bank to decide. I opened the CD on the XXXX of XXXX because I wanted the CD to begin on XX/XX/XXXX and not the XXXX. I tried to correct the issue with Synchrony Bank by calling. First to a representative and then to a supervisor. I was told that that was their policy Period. Next business day and If I wanted to now cancel the new CD, there would be a fee. I do not have this problem with other banks. If I open a CD and fund it by an internal transfer, from the same bank, that CD starts on the day I open it regardless of holiday or weekend and not the " next business day '' as I was told by Synchrony was their " policy '' and the way their " system '' works. Unacceptable. An external transfer from another bank is one thing, an internal transfer is another.

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 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/23 got XXXX $ and XXXX XXXX $ AMEX gift cards and they won't work anywhere tried XXXX for XXXX $ and didn't work won't let me add as a payment option anywhere called them they said there nothing they can do and told me to keep trying different websites until it works

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has not completed a reasonable investigation under FCRA and this is a violation of my rights. I submitted a dispute to Experian via certified mail regarding verification of a re aged account from department of defense from XXXX. This account was removed from my credit profile back in XXXX and reappeared on my credit report in XXXX. Experian received the dispute on XX/XX/XXXX via certified mail and I have receipt of my certified mail and a copy of my letter. 60 plus days have passed and I have not received a letter regarding the verification of this account. There is multiple inaccuracy the way this account is reporting on my credit profile. 
The account number is wrong XXXX XXXX XXXX this is the first XXXX numbers of my social security, which has been compromised. This is the wrong information and Experian has failed to properly do a reasonable investigation according to the FCRA. 
A reasonable investigation has not been conducted on this account in a 30 day period. 
After receiving my dispute I was not notified via mail that the account was in dispute status, nor was it updated to dispute status on my credit profile. 
Experian has violated my rights in the treatment of inaccurate of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed some unauthorized transactions and the company denied my dispute without investigation nothing was done at all despite me providing a police report and all! Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-10-19
Company: Amsher Collection Services, Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX Collections deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX  XXXX upon its return within the XXXX return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashedXXXX XXXX  apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the XXXX window given on the receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX  : I changed my email address online at newrez.com and have had no account access since then. 

XXXX XXXX, XXXX  : I called in and was told they would submit a ticket. I should wait one month. 

-XXXX  XXXX, XXXX  : I again called in. Told to wait 24 hours this time. 

-XXXX  XXXX, XXXX  : Third time I called in. Spoke to XXXX and then a lady supervisor. Supervisor said they should have been able to delink the email when I originally called in. She can see the two tickets from XX/XX/XXXX & XX/XX/XXXX but they are still pending. No notes have been added, so they havent yet been worked on. Told there is no way to speak to the IT department. I just have to wait. I should receive an email when the process has been completed. 

-Today, XX/XX/XXXX  : Fourth time calling. Still getting all the same error messages : Unable to Sign In, Good News, It Looks Like You Already Have an Account etc. XXXX XXXX was unable to get me any further. 

When I try to create a new account, it will say Good News, You Already Have An Account. When I try to reset the password, I receive an email to my old email address that says Password Reset Request Denied... At this time your password can only be reset by an administrator because you are currently locked out of your account. This email tells me to call the same XXXX number for help. I've been calling now for 7 months and still have NO ONLINE ACCOUNT ACCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
Im begging you please remove this to the credit 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 2023-09-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit 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:
{$43.00} was to be credited to account by Amazon. They acknowledged receipt of returned merchandise. However, no credit appeared on my account

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 monetary relief
Consumer complaint received 2023-06-12
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX Wakefield & Associates XXXX, out of XXXX Tn. sent my wife XXXX XXXX and myself XXXX XXXX XXXX debt collection referenced letters apiece. ( XX/XX/XXXX - total XXXX specific reference # 's - XXXX each individual letter - ten specific Account # 's attached from XXXX XXXX XXXX for each letter received ) These letters were debts allegedly owed for our yearly annual physicals performed for us both & received on XX/XX/XXXX. I answered/provided information for all alleged debt letters received from this company on or about XX/XX/XXXX. In those letters received it stated the following : We must stop collections on any amount you dispute until we send you information that shows you owe the debt. No information was ever received by my wife or myself from Wakefield & Associates through XX/XX/XXXX showing we owed any debt. 
On or about XX/XX/XXXX my wife XXXX and I again received another five debt letters apiece ( XXXX total ) from Wakefield and Associates XXXX for the same amounts of debt allegedly owed for XX/XX/XXXX from last year. But in these debt letters we received all XXXX reference # 's from Wakefield and Associates XXXX were different from last years and the alleged debt owed was now owed to XXXX XXXX XXXX XXXX ( same amounts allegedly owed, one word added in name - Health ) All their account numbers assigned to the debt were now changed with the last XXXX account numbers not matching last years accounts numbers for the same alleged debt owed from last year for XX/XX/XXXX. ( we refuted/responded in writing to these new letters received on or about XX/XX/XXXX ) My wife and I would like your federal agency to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wakefield and Associates XXXX XXXX for unfair and deceptive practices to collect debts allegedly owed according to the Fair Debt Collection Practices Act which became effective XX/XX/XXXX. Additionally we request that your agency provide us with a written report and determinations of your agencies conclusions reached and actions taken against the above companies referenced. 

Thank you for your time and consideration in this matter. XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation