BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
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:
My complaint >s that experian has not removed the negative account call credit collection and also three hard credit inquiries from sky and ally. Also these items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file my social security number is 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 2023-03-01
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:
Experian has my FICO score ( good ) very much lower than XXXX ( Excellent ) and XXXX XXXX ( Excellent ) due to incorrect reasons ( late Payments ) in their fico score information. 
I have never paid late on anything but they have me being late 30+ days and 60+ days. 
This is incorrect. They say they can not change it even though there is no evidence of late payments.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-06-16
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have called and written to this company numerous times to repay this to no avail I am fed up with the lack of response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection agency in my credit report name XXXX with the Amount of {$1300.00} thats is not mine. They have a date of 2016 being opened, I was incarcerated on those years. I have sent proof to XXXX but the problem has not been resolved. I need that to be removed from my 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 2020-01-23
Company: HEARTLAND PAYMENT SYSTEMS INC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a loan managed by Heartland ECSI. I am doing a XXXX currently, and so I am deferring the payments while in school. However, even though I submitted a form saying I have a 3 year program, they ended the deferment early. They also make information hard to find, did not do a good job notifying me, and make it hard to submit deferment requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

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 inructions 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 2023-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX XXXX XXXX XXXX  ) and Experian has no date of first Delinquency at all. 

The Date of First Delinquency for XXXX XXXX XXXX  shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the Experian report XXXX XXXX XXXX XXXX ( XXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the XXXX report for the same account XXXX XXXX XXXX XXXX  ( XXXX ) Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since Experian ( XXXX ) was not provided the Date of First Delinquency for the account with XXXX XXXX  within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2022 The dealer was supose to my run my credit ONCE.! After reviewing my report they ran it serval times with many different places. Places i have never even heard of before. He basically harassed me 2 weeks calling none stop saying i found someone for you even after i told him it was okay and that i dont need his services. 
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 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 explanation
Consumer complaint received 2023-04-11
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/2023, you contacted American Express to inquire about increasing your credit limit. After a lengthy conversation, you decided not to go through with the increase due to the complexity of the process. However, 14 days later, American Express sent you the necessary documents to increase your credit limit, which you did not submit. Despite this, American Express still processed the credit limit increase, which resulted in a change to your credit card number and a decrease in your credit limit. 

You are now concerned about several issues : -The new credit card number that you did not request, and whether any charges on this card belong to your old card. 

-The fact that your old card is now unusable, despite American Express stating that it would still work. 

- The unreasonably low credit limit by the fact I never use it. 

If any of this information is incorrect, please let me know and I will be happy to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had this card for a awhile the XXXX card with XXXX Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

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 2023-10-27
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: Reporting company used your report improperly

Complaint:
There is a XXXX XXXX XXXX reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on XXXX, XXXX and transunion wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NV
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 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions 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 credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report on XX/XX/XXXX then added back on to credit report a year later after it was 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 a account without my written instructions ( ALLY FINANCIAL ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-12-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The credit bureaus stated my accounts 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 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 were properly investigated but how is that possible when between the three credit bureaus there are still different open and close dates , credit utilization, wage garnishment from a debt back in 2008 and total debt overall inaccuracies? Those inaccuracies are grounds for removal, compensation, and are still violating 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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: 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.

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