BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a hot tub over a year ago and when the moving company brought it to me it had two big forklift holes in the bottom of it. So they wouldnt leave the tub because it was damaged. I never received anything from any buddy until a year later I received a bill for XXXX dollars from mattress firm/ synchrony bank for the tub. I never received the tub so Im refusing to pay for something I never received. But by not paying something I dont owe its hurting my credit. Ive written letters and called but I one will give me an answer or drop the debit they say I owe. Dont know what I can do.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: VA
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX OpenedXX/XX/XXXXBalance {$400.00} ; Incorrect Addresse ; XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK 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 2022-07-08
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: MOHELA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Employee of 501 ( c ) 3 organization for 12 years with student loans trying to apply for PSLF. Completed online help tool on XX/XX/XXXX. Employer not in database. Information sent to XXXX and told to wait 30-60 days. No response ever. Completed online help tool again on XX/XX/XXXX. Employer not in database. Information sent to MOHELA and told to wait 30-60 days. No response ever. MOHELA telephone system does not connect to human being and automated system under my Social Security Number indicates no file exists and call ends. Thus, impossible to get a final determination of employer eligibility in order to permit completion of application for the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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 XXXX XXXX I Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion, XXXX, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have yet to receive in response.

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 2021-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge Off : XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXX : {$0.00} XXXXDate Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report Act XXXX XXXX  acount # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-05-14
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I missed 2 months during my loan term with Mariner finance they threaten me with court so I made An arrangement to get caught up then was back paying on time ended up paying the loan off a whole year early they still charged me what would have been the whole term which I dont understand that I paid XXXX a month for a whole year an the pay off was XXXX? MAkes no sense now its on my credit report as potential negative thats a smack in the face when I paid this off a whole year early I need this off my report IMMEDIATELY I cant not even move into a decent apartment because this negative mark when its not negative it was NEVER IN COLLECTIONS!! Its showing XXXX negative an then closed I want this removed immediately this has been paid off since XXXX of last year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have reached out to XXXX, XXXX and Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, XXXX and Experian that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : XXXX XXXX XXXX XXXX ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, XXXX and Experian need to comply with the law.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXX XXXX SERVICES IN THE AMOUNT OF XXXX, CREDIT XXXX XXXX XXXX XXXX THE AMOUNT OF XXXX, XXXX XXXX SERVICES XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AMOUNT XXXX. XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXX Pros to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea XXXX more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction. 
15USC.1681c ( a ) ( 5 ) Section states XXXX XXXX XXXX XXXX XXXX take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than XXXX. 
15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or 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 2021-05-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased an a new 2015 KIA XXXX XXXX. I had FULL COVERAGE AUTO INSURANCE thru XXXX. The financing company isKMFUSA.On XXXX XXXX i had an accident. XXXX deemed my car a total loss. a couple of days later. 
KFUSA sent XXXX a letter of guarantee with incorrect amounts. XXXX contacted KMFUSA for a corrected ltr of. guarantee KIA FINAN CIAL KMFUSA has not followed through on MULTIPLE OCCASIONS.

The total loss dept at KMFUSAis a highly protected dept where I can not contact them directly. I have emailed them and have had NO SUCCESS.

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 2022-10-16
Company: DISCOVER BANK
State: NV
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:
Discover acct # XXXX I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I want all fraud accounts 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 2021-05-14
Company: Experian Information Solutions 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:
Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.

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 2023-02-01
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:
I received another dispute letter from XXXX dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the Department XXXX XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.

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 2023-06-22
Company: Uplift, 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Card issuer was unable to provide copy of governing terms and conditions for Pay by Computer service upon request. Their website makes reference to such terms and conditions but the link does not work. Customer service by phone was unable to understand the issue.

Company response to consumer: Closed with explanation