BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I hereby file this CFPB Complaint regarding fraudulent entries on my credit report, which have surfaced recently. I did not authorize or participate in any of these entries, and they have significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge these fraudulent items with both the credit reporting agencies and the creditors involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, these items remain on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent items resulted from identity theft, and I am deeply concerned about their potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that these fraudulent items are expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following items be removed from my credit file : XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The fraudulent items on my credit report comprise multiple credit accounts that I did not open, as well as various charges and loans that I neither initiated nor received. Their total amount is significant, and their impact on my credit score has been negative.

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 2022-04-15
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:
I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXX accounts have 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 witho
ut my written instructions XXXX XXXX XXXX Account number XXXX US DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : AMEX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and no one else. On XX/XX/2021 I submitted a dispute to Experian and I attached a copy of my Drivers License and copy of mail with my current address only for them to send me a letter stating I needed to send a copy of my ID and mail for them to proceed with my dispute. At this point I feel like my rights are being violated and that Im being taken advantage of.

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 2019-10-06
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Started with payday loan where you could pay minimum each month and part of payment was applied to fees/interest and the rest to the principal. 
Cashnet USA notified me they had a new program of a Line of Credit " LOC So I signed up for it approx XXXX or XX/XX/2019 with a initial amount of {$600.00}. 
On XX/XX/2019, Cashnet automatically withdrew their " minimum '' payment of XXXX and applied it to the loan. Upon checking days later, I saw they did not apply any of that amount to principal all just in fees and interest and now have raised the minimum by almost {$100.00} dollars to {$210.00}. 
Also of note, I did not see until they sent me the " statement '' days later they had set their " interest '' on the loan at {$130.00}. So the obvious can be seen that they make sure the hidden interest is above the minimum payment so they can take all of your payment without applying any to principal and you never pay the loan off just get deeper in debt until you can't pay it off and then having received a large amount of funds from you they can sue and get an even larger amount with attorney 's fees. 
I am a paralegal and notary and have seen this type of onerous usury before. I know they must apply at least a minimum to principal and nowhere on their site did they inform the customer that your payment to XXXX " minimum payment '' will not be applied to any principal. 
I contacted them and they simply offered no explanation or assistance. 
They called me and the " base level '' customer service clerk just rattled on and on and asked me if I understand. I told them I basically heard what they said. They made no effort to adjust their policy and did not apply any of the first payment to principal. They also said they are charging interest on a daily basis. 
They also do not provide you notice of what your payment pays before they withdraw it from the bank so you do not know what you owe until after they take money. And after that, you still don't know what you owe, where it will be placed. They said that first payment was {$90.00} for fees but never said WHAT fees. When you asked them questions, they just rattle a plethora of numbers with no meaning but never change a thing. 
This is a financial black whole. I will continue to file complaints until this company acts financially responsible. I WILL ALSO NEVER USE AND WILL ENCOURAGE everyone I know to never use CashNet USA 's products because they are financially irresponsible and their avarice is unacceptible in America.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MO
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 1681XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When Home was purchased, I was advised that I can call in to request the removal of my Private Mortgage Insurance Once I have more than 20 % Equity in my home. 
The Mortgage Company is not honoring their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, INC.
State: OH
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. Which violates XXXX XXXX of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX  makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your lazy and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: DISCOVER BANK
State: NV
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:
Dates and amounts are included with the uploaded documents. 

I have made multiple attempts to resolve this with XXXX XXXX and the property. XXXX XXXX corporate will do nothing, saying it must be adjusted by the property. 

All attempts to deal with the property have been unsuccessful. When I call them, they say they will have the property owner call me back to resolve but I never receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I realized after a while that my credit score was not accurate as a result of Elan financial services failing to report my actual account balance for a long while. I reached out to then via secure message but they dismissed my concerns saying that the information they reported is accurate. I even disputed the innacurate information they have about my card balance with both transunion and XXXX but they still refused to provide them with the accurate information. I was looking to apply for a mortgage loan but the two condos sold within a period of 4 weeks while I waited and waited for Elan financial services to do due diligence but it was to no avail. I do not know what to do now since my lease expires soon and the apartment office is pressuring me to give them an answer or will automatically renew my lease for another 12 months with penalties if I break the extended lease afterwards. 
Elan financial services has not reported to transunion since XX/XX/2023. 
They told XXXX my balance is over my credit limit at 102 % ( thus, {$8100.00} out of {$8000.00} ) the last time I disputed. 
XXXX has since sent me a denial letter stating the I formation is accurate and current although it is clear as day that they have no report from Elan Financial services for a while. 
My credit card utilization is now high due to the inaccurate information reported by XXXX and transunion as a result of Elan financial services failure to report my account status since XX/XX/. 
Please help me or my credit will not be at the point I need to avoid an unreasonably high borrowing interest rate given the current housing market issues. They have already cost me two opportunities.

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 2024-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in 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 explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2019-07-31
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-12-15
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2023, at TJMAX XXXX, MT XXXX, I purchased {$53.00}. Out of this amount, {$1.00} was paid through a gift certificate, and I paid {$5.00} in cash because I couldn't find the receipt. However, the transaction was attempted through a Mastercard, not a store-brand debit card, as it seems to be recorded. This mistake is negatively affecting my credit, and I need it to be corrected as soon as possible.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
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 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 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

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
Back on XX/XX/2023 my credit score decreased by XXXX points due to usage of a credit card I understand that, But on today my score decreased again XXXX points for the same usage that occurred back onXX/XX/2023, No one could help & no one had any answers just excuses I also explained that all my cards have been paid down .Also I explained about the emails that I received for paying down all my cards again no answers just that it wasnt them at fault.

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 2022-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out here is the tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation