BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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: Personal information incorrect

Complaint:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report I viewed my credit file on XX/XX/2023. Within the report i noticed that there were numerous addresses included in my file that are not my current or past address. I disputed the incorrect information and challenged each incorrect address. On XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( TransUnion, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( TransUnion, XXXX, XXXX  ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX IN Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Grain Technology, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had an issue keeping by bank account linked to my grain account to make my payments since XX/XX/2023. The first couple months it would allow me to receive a text to pay by debit card by going to a link. When XXXX came around I could no longer receive a link and my my bank account still would not link to there app, to make a ach payment from my checking. I have contacted grain multiple times by going to their website and filling out the form and received no calls or emails. There is no phone number to call to physically talk to anyone. I have never been late on my account until XXXX due to grain not assisting me to fix the issue to get my account linked. I finally tried one last thing and opened a new checking with another financial institution and was able to get that account to link, and made my payment. Which was now already late by now. Grain still has not contacted me about this issue but has now marked my XXXX credit reports as 30 days late for the first time. I dont think this is fair at all they can do this when they dont respond to help when there is an issue making a payment. I again have never been late on this account ever, until my account would not link to make a payment. Im stuck when theres nobody to contact. I want my credit report fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Verizon XXXX card and I was approved with a credit line of {$3000.00}. On XX/XX/2022, I call to inquire why I didn't receive the Verizon XXXX XXXX card and I was advised by a representative that the XXXX card is offered to card members with a credit line of {$5000.00} and above and they also qualify for additional perks. 
On XX/XX/2022, I called to request the XXXX card and a representative advised me that it is no longer offered. I explained of what I was told and requested to speak with an account manager and he advised me that the XXXX card is only send to card members that they are approved with a credit line of {$5000.00} and above in the initial application process. I advised the manager that this is " Unfair and Deceptive Practice '', and the manager stated that he can not order a XXXX  card for replacement card, but I advised him that this is not a replacement card it's an upgrade card. I feel that I am not being treated fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-04
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Phoenix Financial Services LLC
State: TX
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 debt collection company Phoenix Financial Services has continued to harass me for a debt that I did not incur for some sort of emergency services. I have blocked over a dozen phone numbers over the past few months because they continuously called my husband and me. I thought it was a scam. Today I see that it has been placed on my credit report since last month. I have paid all my debts on time. I am in good stand with all my creditors. It does not make sense that I would choose to not pay XXXX. I want this company to stop harassing me and remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-06
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: Investigation took more than 30 days

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

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We bought a new car from XXXX XXXX in XXXX XXXX NM on XX/XX/XXXX. We put down {$7000.00} on the XXXX XXXX XXXX. Rhe original price quoted on their website was alittle under {$20000.00}. But by the time we put the money down the total price for the car wasThe loan is in my husband and my name we were not told that the finance company ( Credit Acceptance ) charged us approximately {$7000.00} fee to finance both of us. When I called the car Dealer XXXX XXXX. No one could explain to me the reason for the finance charge. I was then hung up on. So we called credit Acceptance and they stated that the fee was between us ( my husband and myself ) and the car dealership. So we contacted the dealership again and tried to speak to the finance person and was told that he was to busy to take the call. We now have left messages with the dealership everyday since XX/XX/XXXX to which no one has called us back. We would like some resolution to this issue as we feel that we were bullied to sign papers and not given time to read the contract or anything. My husband and I are both over XXXX XXXX XXXX and really feel like the dealership stuck it to us. Also, none of the paperwork reflects the correct mileage on the car. We disputed that as well. Some papers say 10 miles and some say 1 mile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

These accounts have incorrect address on file on my credit report. I will attach utility bill showing my correct address.

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: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XXXX I submitted my payment for student loans, which was {$270.00}, to Ed Financial. I received a confirmation email, and my funds were pulled from my bank account at XXXX XXXX XXXX XXXX. It was transacted XX/XX/XXXX. Today on XX/XX/XXXX, I received my statement from EdFinancial, stating that I owe {$550.00} on XXXX. Claiming I paid late, and will charge me {$270.00} for a past due amount. This will be compounded to {$280.00} for a total of {$550.00} on XXXX. That's an additional 94 % of my payment, nearly doubling my next payment for something I paid on time. I paid my loan on the date due, and it was transacted the following day, and I am being charged a % XXXX increase on my next payment. I have the emails saved. My account on EdFinancial does not even have my payment in their system. Having checked today, my recent payment on file is from last month, though my bank account shows proof that I paid my loans on the due date XXXX. It is still not in the system, though I was paid and charged for it.

Company response to consumer: In progress
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: IN
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:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

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 2021-01-08
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/21 XXXX recieved a call from XXXX ( XXXX ) XXXX robot advertising reduction in visa interest rate ( not from my bank or any named bank but from XXXX fl ) and I could hear someone answer over the robot, then get quiet and heard messaging over XXXX , I ignored the prompt and said I can hear your XXXX messenger in the background and they hung up on me quickly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I purchased a vehicle in XXXX. Financed through XXXX XXXX auto. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX  to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a XX/XX/XXXX late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

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 2023-06-08
Company: Experian Information Solutions 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: 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. 

The letters are stated with items and issues. 

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 2022-12-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Complaint against Truist Bank XXXX XXXX XXXX XXXXXXXX ) specifically handling of XXXX transactions XXXX New Account opened around XXXX as not happy with my previous bank " XXXX '' which charged me {$25.00} service fee despite long term relationship and approx {$8000.00} direct deposits through my salary -Deposited on XXXX check for {$2100.00} with Truist which was on hold for 7 business days ( understood as it is a new account ) supposed to expire on XXXX - Scheduled XXXX payment on XXXX towards rent payment ( to be paid on XXXX - date expected hold to be released ) - Bank debited my account on XXXX but XXXX payment not sent.

- after continuous follow up, they complained about having XXXX XXXXssues and was informed by recipient that payment was received thru ACH on XXXX - processed two more XXXX payments for {$200.00} and {$300.00} on XXXX ( supposed to be immediate ) -- > amount debited to my account but payments processed only after 30 hours, late XXXX after several calls with Bank Reps - scheduled another recurring XXXX  payment on XXXX for {$220.00} to be processed every two weeks. Amount debited immediately but payment received by Recipient only on XXXX - Presuming the above issues were due to new account, scheduled another {$800.00} on XXXX to same beneficiary ( already set up for recurring payment thru XXXX for {$220.00} ). A message " payment under review '' was triggered, though this recipient already set up and processed.. 
- till XXXX around XXXX, recipient did not received {$800.00}. 
- called the bank and they said, payment was cancelled by the sender ( that is myself ) which is absolutely " false '' ... today morning, i received an email from bank that transaction cancelled by the sender I requested to speak to the supervisor, who i was told, was busy..throughout last week, i requested to speak to the supervisor, but never got to speak to anyone yet. 

I believe, my account is not being handled well or the bank is having issues with XXXX and the customers are not informed. Due to their problem, the customers are having issues. 

As a result, my funds are being misused, as the amount gets debited, being used for two days and then gets credited Also, I am worried, that the bank states that the last XXXX transaction was cancelled by me- WHICH IS FALSE. I did not cancel the XXXX transaction and i want the bank to give me copies of all activity. 

I come from the XXXX XXXX XXXX XXXX  ) and I know, the systems have a way of recording all activities. 

I would like you to take this seriously as other customers may be having issues with this bank but not able to communicate effectively nor do they have the time and just bear it up I can be reached via email or phone at 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 2022-10-12
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation