BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2020-02-20
Company: GreenSky, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I would like to file a complaint against Green Sky for improper credit reporting on my credit report. I had a loan with Green sky starting in XXXX of XXXX for XXXX XXXX for an alarm system. We returned all of the equipment in XXXX and they released us from the contract and advised that we owed XXXX balance on XX/XX/XXXX. XXXX sent over the information to Green Sky in XXXX of XXXX that we owed nothing. In the meantime Green sky has reported me late for XX/XX/XXXX and XX/XX/XXXX fraudulently. The problem is no one will change the date to XX/XX/XXXX and correct my credit. I sent a formal dispute on XX/XX/XXXX to Green Sky with a letter and all of the documentation to settle and correct my credit report, to date I have not received any response. I have spoken to them several times and no one will fix this problem. I am very upset that I have a 30 and a 60 day late on my credit report and I was not Late and didnt owe them any money. They removed the 2 late payments amounts and told me I didnt owe them a penny. I need your help in getting this corrected and can send all of the documentation I sent to them as well. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: LA
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-31
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday XX/XX/2021 my husband and I filed our taxes with XXXX. At the end we were told by the assistant that we owed {$190.00} for our federal taxes so we paid that amount then. After paying the {$190.00} we were asked to provide payment for the IRS. Perplexed we told them we just paid that. That is when they informed us that we paid for XXXX software which was not disclosed to us. XXXX XXXX formed us they could not provide return and to take it up with our bank. So I got ahold of Chime and explained the situation and they filed a dispute on my behalf. On XX/XX/2021 I finally recieved a provisional credit. On XX/XX/XXXX I recieved an email from Chime stating that they found an error did occur and they are finalizing my credit to my account in the amount of {$190.00}. Fast forward to a XX/XX/2021 and I recieved another email from Chime telling me that the made a final decision on my dispute and found no error occurred and that they would be reversing the provisional credit to my account. Today XX/XX/XXXX chime did just that after trying to tell them they can't reverse a final payment. So I am now negative {$190.00} in my chime checking account and I feel this is way way out of line and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding : Acc # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account 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 2023-05-21
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX  The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable.

Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, 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 2021-08-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting, to my XXXX, XXXX  and XXXX  consumer reports, false, misleading and harmful information that has resulted in me being denied for housing and has also resulted in me being denied the ability to grant creditors the right to extend me my credit. SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting that I owe an alleged debt since 2017. They have failed to validate any " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

Sincerely Yours, 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 2023-06-15
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I keep receiving e-mails from Us bank that are not meant for me and include details of transactions made by " XXXX '' They include details as shown below. I can not unsubscribe from these e-mails because you must log-in to their website to change your preferences and I can not as I am not one of their customers. I spent over an hour on the phone with the Fraud department at XXXX on XX/XX/XXXX and spoke to supervisors XXXX and then supervisor XXXX who refused to give their last names or extensions in order to try to rectify the situation. I would like compensation for the hours I have spent trying to get Us bank to stop sending me unsolicited e-mails. Branch receipt : Your withdrawal on XX/XX/2023 Time : XXXXXXXX XXXX Amount : {$3.00} From : Standard Savings ending in XXXX Posting date : XX/XX/2023 Branch location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, KS XXXX Branch # : XXXX Teller # : XXXX Transaction # : 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 2023-07-18
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been 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 explanation
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am part of the hundreds of customers that were denied a home loan modification by Wells Fargo in XX/XX/XXXX-XX/XX/XXXX when experienced financial distress due to employer furloughs and other financial reasons. I sent loan modification packages to Wells Fargo for 2 years and then, due to the loan modification denials, I was forced to short sale my home. 
Since a few months ago I have been in contact with Wells Fargo and they say that their " computer glitch '' did not affect their calculations and that my case is not elegible for financial compensation. 
I believe they are wrong and that my case needs to be investigated by an independent.

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 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an XXXX business and it fell through because I had a client XXXX at my property. so my lease was terminated. after that situation my financial situation went down the drain. and a month after that I got into a XXXX XXXX and their insurance company took 3 months to get my truck fixed. after those situation I became homeless. I had to move back home with my mother to get my life situated. mind you I'm a single father of XXXX boys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2018-04-22
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter stating I owed Barclay 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of XXXX XXXX XXXX and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!

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 2018-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies XXXX has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXXXX/XX/XXXX. XXXX O XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Support Collectors, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

Company response to consumer: Closed with non-monetary relief