BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: GreenSky, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XX/XX/XXXX, I ordered 3 doors for the amount of {$22000.00} from XXXX XXXX XXXX. No doors have been delivered or installed. 
I've had multiple concerns. 

My most recent concern involves XXXX XXXX XXXX ' claim that I consented to enter contracts via electronic signatures. 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX sent a consent letter which she claims I had signed on XX/XX/XXXX. 
But the document is dated XXXX XX/XX/XXXX and it does not have my signature. ( Please see attached document 1 ). 
XXXX XXXX 's email concludes with a threat that if I cancel the purchase order, I will be liable for {$4000.00} to Greensky from whom a loan has been authorized on my behalf. 

I advised GreenSky that according to Virginia law 59.1-483b, an agreement to conduct a transaction electronically may not be inferred solely from the fact that a party has used electronic means to register a purchase order and that according to the law, this subsection " may not be varied by agreement ''. Meaning affirmative consent to conduct business electronically may not be omitted. 

GreenSky responded on XXXX XX/XX/XXXX, asking " what is it that you are wanting from GreenSky, '' and eventually that I " follow up directly with the merchant regarding this matter. '' ( Please see attached document 2. ) CFPB XXXX XXXX XXXX XXXX. XXXX requires GreenSky to " review and analyze complaints ... for the purpose of identifying trends ... and XXXX potentially involved in unauthorized loans and related unauthorized transactions. '' In this instance, GreenSky has violated that order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2021-04-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received my stimulus payment on an American express serve card. I received the payment and was never sent an email or was notified in any way, the only reason I found out was bc I called. I had received my last payment on one of the same cards but apparently not the same card as they are not linked. Instead my money came on a card I had never ever had possession of, so the customer svc person sent me out another card. I received it nearly a week ago, talked to over 30 ppl been hung up on, spoken badly to, spoken to everyone and still have no answers. They say I have to register it and then I can activate it after I complete email verification..I would love to..but I've received just as many broken links as I've been hung up on and given the run around..I suspect fraud i don't know where to turn next. I'm unable to register/activate/ or do anything with this card yet it holds every penny I have to my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around XXXX  ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX XXXX XXXX XXXX XXXX dollars to XXXX, XXXX, and TransUnion XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: SC
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 XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations

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 2023-04-19
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX Date XXXX 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 explanation
Consumer complaint received 2023-04-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called to make a payment towards the principle of the loan.

I was advised that principle payments MUST be made via check or money order, in person or through the mail.

I complied. I sent money orders but on more than one occasion

USPS stated the money order was delivered but One Main Financial did not apply the payment to my account. I had to call to follow up. Each time the person stated she just received the mail but I told her it said delivered the day ( s ) before. Upset by the inconsistency I called One Main Financial customer service line NOT the branch. I made a payment towards the principle. No problems the payment was taken and applied to the principle.
I called two more times to make principle only payments but

these time the payments were applied to interest. I called both times to get the payment applied correctly. The first call was fine. I advised of the error the rep took steps to move the payment. I was directed to call the customer service as they made the error they should fix it. I called customer service the representative advised me that the payment was made to the principle. I told her that was not true. She transferred me to another rep in branch. That rep advised me that she wasnt going to do this every month. And that I was told that I must mail the payment or take the payment to the office. I told her everything listed above. The fact that I would have to follow up to make sure they applied the payment and the impracticality of me dropping off a payment. She refused to accept responsibility. She mean and unhelpful. I asked her who is her governing body. She did not answer. I asked who does One Main Financial answer to. She never supplied the I info. To make matters worse One Main Financial reported an increase to my balance owed causing a significant drop in credit score. Im actively disputing the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been having issues with my PayPal credit account with synchrony bank. I have a {$0.00} balance on it, and they keep locking my account and saying something is suspicious on my account. I'm not sure what's suspicious about a {$0.00} balance. I was sent 2 letters on 2 different occasions in the last 2 months that they've locked my account. The letter has the incorrect phone number. I've told them twice, and they do not seem to care. Every time they are not interested in hearing that my account keeps getting locked, they act like I should be happy that it was unlocked. Only to be locked again a few weeks later. I have called them on XX/XX/ and also

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 2021-01-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter dated XX/XX/2023 from Genesisfs card services stating there was a balance of {$75.00} on a DESTINY Mastercard which has been put on a temporary block. I originally thought this was a scam, so I didn't call any numbers. Then a week later, I received an actual credit card in the mail that said I had a {$300.00} limit and need to be activated. Several days later a credit card statement arrived with a balance due of {$76.00}, which is made up of {$75.00} annual fee + {$1.00} credit protection fee. This had a due date of XX/XX/2023. We called the number on the statement to report that we had not opened this account. It was the weekend, so they gave us the fraud phone number to call on Monday. On Monday we were unable to get through due to hold times for available representatives. Then a few days later, we received a letter dated XX/XX/2023 stating they investigated claim of identity theft and would remove inquiry and account from credit bureaus. We researched this company on-line and found multiply complaints of people having the same issue and same dollar amounts and it never closed or removed from credit bureaus. We called today and spoke with 2 representatives. They pulled our account and would never confirm there was identity theft, fraud, or even if the account was closed. Again after reading so many complaints about this company and similar situations, we decided to come to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

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 2017-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: SC
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:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I didnt authorized those transaction XX/XX/XXXX - XXXX XXXX XXXX - {$350.00} XX/XX/XXXX - XXXX - {$1000.00} XX/XX/XXXX - XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX - XXXX  - {$410.00} I have filed claim with the bank but they denied it. I swear whatever I said is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are inaccurate names and addresses on my credit report that is has not been legally authorized by me and is out of compliance with the FCRA I did not give legal authorization to the unauthorized inaccurate names and addresses information. 
Here are the following please block and delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX only name XXXX XXXX XXXX, and my only 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 explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NJ
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:
This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-19
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Its the fact you stated you didnt receive my identification to locate my file which I know is a stall tactic but I want to make sure you get it this way so you can stop saying you didnt get my certified mail and this is not an error that I'm resubmitting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Saw that I owe a debt that is in collections to a company I've never heard of and has made no attempt to contact me regarding it. It is also not the original creditor so whomever this company is, I don't have a contract with them regarding this debt

Company response to consumer: Closed with explanation