BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIESshall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-27
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
In XXXX of XXXX Ally Financal has made remarks on my credit file and then removed them. Also they changed the date of last payment which is inappropriate and inaccurate according to FCRA. They have changed remarks to my account that are not truthful and it dropped my credit score XXXX points. After I have disputed this account online line via XXXX these changes occurred which is a violation. They havent reported this account of date of last activity and date of last payment XX/XX/XXXX until XX/XX/XXXX through XXXX of XXXX this account has been marked up incorrectly and inaccurately decreasing my credit score.

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 2022-05-25
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 XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, 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 : 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 explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: PA
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: In progress
Consumer complaint received 2023-02-06
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

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 2023-10-30
Company: EQUIFAX, INC.
State: FL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-07-06
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:
I paid off an old account which was XXXX XXXX  card in XXXX. I submitted a paid in full letter 4 times to Experian and have talked to them regarding this 5 times. Each time Thier investigation says valid no change. So I call them up again and tell them it has been paid and the credit report needs to reflect paid And it still doesn't. It says collection and reports as collection I'm XXXX of this yr. How many times do I have to keep doing this. Since XXXX XXXX doesn't own the account anymore they can't do anything about it. It was also supposed to be removed from my 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 2023-01-30
Company: Experian Information Solutions Inc.
State: MD
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:
This is the fourth time that I discovered that some of the information on my credit report was incorrect. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2023, I submitted a formal dispute to Experian regarding inaccuracies present on my credit report. The inaccuracies in question pertain to the following : XXXX XXXX XXXX  Account XXXX I requested that Experian furnish the method in which the debt was validated and provide documents that bear my signature in regards to this account. I attached an FTC report along with my dispute. 

I received written correspondence from my Experian specialist on XX/XX/2023 and I quote the following message directly from Experian DISPUTED ITEM NOT LISTED ON CREDIT REPORT Please see attached proof that Experian provided written confirmation to me that the account in question XXXX XXXX XXXX Account XXXX is not listed on my credit report. 

Please see below for communication directly from Experian : Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX  Account XXXX Under important information about your dispute results Messages from your Experian specialist : DISPUTED ITEM NOT LISTED ON CREDIT REPORT I DO NOT recognize how this account is reporting on my credit report I DO NOT recognize the account number I DO NOT recognize the account status I DO NOT recognize the account high balance NOR do I recognize the late payments associated with it Everything reported here does not meet the FCRA XXXX 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. 

The debt collector and Experian has failed to respond to my requests for information about the debt, and as a result, I presume that the debt is invalid and I am requesting for it to immediately be removed from my credit report please.

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 2023-08-31
Company: Atlanticus Services Corporation
State: MS
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  account number # XXXX ( XXXX XXXX ) has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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: Account information incorrect

Complaint:
Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XX/XX/XXXX ... ... 3 letters later and yet XXXX or EQUIFAX have done nothing, XXXX  has failed to provide me for a release form where I signed to release my PHI ( which is in hippa violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
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 balance transfer

Complaint:
Good afternoon, I went to have a balance transfer from XXXXXXXX XXXX  to a Bank of the West card which promised no APY on outstanding balance until XXXX ( very enticing ). It was a portion of my debt with the intent to forget about some and pay off a smaller portion with discover. 

I had requested a balance transfer approximately XX/XX/XXXX, and sent a follow up inquiry on XX/XX/XXXX on their online message center ( no response ). Sent a follow up on XX/XX/XXXX and received a response on XX/XX/XXXX. It was a standard response of wait until 3 weeks ( which had been over 3 weeks by this point ). 

Message details sent to them on XX/XX/XXXX : I have no problem making payments ** However, looking at the statement balance, XXXX, which is an INCREASE ( emphasis ) from when I had the balance transfer from XXXX ; XXXX XXXX XXXX. 

This is weird as I made a payment on XXXX XXXX in the amount of XXXX, which should have reduced my total to XXXX. I want to make a payment tomorrow, but it seems the math is not math'n. 

Please advise, payment due date is XXXX ( Sunday ) which I will make but need to know what's going on. 
///////////BREAK/////////// Since this had been two-three months by this point, i preceded to call the numbers on their website. One directed me to a woman who was aggressively trying to sell me an emergency call button for what I imagine is for geriatric population. I interrupted her to ask who she worked for, to which she said she would transfer me but hung up. 

A second call after that one was with a man with a poor phone connection, and asked for my full SSN and Credit Card number for verification ( did not provide ). 

I have contacted XXXX, and they have no records of a balance transfer being initiated, so I have continued to make my payments to them. Bank of the West created debt out of thin air and were beginning to push for payments being made ( which after my first and only payment, my balance increased despite 0 % interest on debt ). I have ceased payments upon discovery of this suspicious activity and to date have never used this card. 

Greatly appreciate your assistance on this matter,

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 monetary relief
Consumer complaint received 2019-06-26
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The amount financed was {$900.00} and total I'll have to pay back is {$3700.00} I paid on time every two weeks, the last few payments were {$300.00} XX/XX/19 and {$180.00} 0n XX/XX/19 {$190.00} 0n XX/XX/19, {$200.00} on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Company called at 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 2022-05-25
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Almost XXXX XXXX years ago I terminated my lease at XXXX XXXX XXXX XXXX NC. I was never late on my rent and the apartment was spotless. I left my forwarding information and never heard from them again. I have over a dozen wittiness plus pictures that my place was very nice and clean. I received a call from Hunter Warfield Inc that I owed {$820.00} for damages. First off over 2 years later and no communication, no itemize documentation of what the {$820.00} was for. It is now showing on my credit. 

Furthermore, my current house management company does walk through inspections every 6 months. I have lived here almost 2 years and they have always told me how great we are and that my home is so clean and well decorate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, I initiated a transfer from my sole proprietorship, small business checking account through XXXX in preparation of closing the account and to bring the account balance to a XXXX balance. 

On XX/XX/2022, called the customer support number for Kabbage and requested the account be closed. First representative I spoke with verified my information and transferred me to another representative who also verified my information. Representative proceeded to inform me that my account was in " lock '' status and I inquired if this was a result of the prior day 's transfer. Representative refused to disclose the reason and indicated that I would be transferred ( again ) to get the lock removed. At this point, I terminated the call and proceeded to file this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have repeatedly requested information from XXXX   XXXX XXXX, XXXX ( " XXXX '' ) regarding payment due dates and loan statements. Specifically, I currently receive no notice, either through email or regular mail, about payment due dates. Further I receive no notice about when a statement is available for download from the XXXX website. 

I reached out to XXXX on the following dates asking that it fix the problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX has either ignored my inquiries, provided non-responsive answers, or incorrectly stated that the problem had been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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 response to consumer: In progress
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to pay the balance in full on XX/XX/XXXX via the mobile app. I had to link an external bank account to make the payment, t=but that account did not appear in the dropdown as an option for making the payment. I attempted to link the account again but was given a message that it was already added and was ready to make payments. I took a screenshot of that, and of the page where that account was not an option even after being added. On XX/XX/19 I called customer service to resolve the situation and ask that the interest charges be removed, as I attempted to pay the balance in full by the due date but was unable to due solely to the bank 's IT issues. The representative refused to waive the interest charges and I asked that the account be closed.

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 monetary relief