BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  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 an 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: Closed with explanation
Consumer complaint received 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was exposed to the XXXX  data breach and got into the wrong hands, remove this fraudulent account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I called Transunion to investigate a faulty lien on my credit card. They failed the first time so i had them redo it. They needed my credit card for monitoring. Now they are charging me {$30.00} a month. I tried to cancel on their website and as soon as I try they log me out of my account and said my log-in information is incorrect. Then it prompts me to reset my password. I would have to call and wait on hold for hours for them to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a request for the blocking of information along with everything required to assure swift and timely assistance but in return I got a piece of mail that is completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I had XXXX XXXX  conduct a balance transfer. They send the funds via wire to Synchrony bank. True XXXX the funds cleared XXXX and when I called Synchrony to verify their receipt they said they had not received it. 

They conducted an investigation and gave a temporary credit while they researched. XX/XX/XXXX the funds appeared and then on XXXX they removed the credit of {$3700.00} and then again on XXXX they removed it again. This canceling out my payment. But Im the process they showed I was negative on my available credit. 

I called and emailed multiple times including speaking to a manager and no resolution has been made. I was told to weight 48-72 hours and the funds would return. It has been almost a week and it has not corrected itself as they stated Due to their negligence in handling my funds and reporting to the credit bureau. They have stolen almost {$4000.00} of my money and damaged my credit due to their negligence. 

See attached document for the double reversal that took {$3700.00} from me.

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 2023-09-12
Company: BMW Financial Services NA, LLC
State: IL
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 am writing to complain to BMW FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments or any inaccurate reporting as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Deinde Online Services, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I started the application in XX/XX/2022 and online applied for {$3000.00} and was approved. The website said the interest rate was only 28 %. I received a call from a rep who needed to verify loan details. They as well reiterated the amount available and the interest rate. However when being funded I was not awarded the amount. I was deposited {$2000.00} and the interest rate is over 200 %. I have been paying for almost a year and none of the payments have applied to the principal. I am unable to access the site and havent received any documents. I have tried to call them and ask for clarification but the people there are extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial is deliberately misappropriating my monies. I sent them a {$1000.00} money order and instead of applying it as a {$1000.00} payment to the desired group of loans, ( wherein one way to describe a " group '' of loans is a subset of your loans that has the the same interest rate in that subset, and that is a different interest rate than the loans outside that subset ) EdFinancial has applied it in the following fashion " XXXX '' to my three groups of loans. This applies too much money to my loan group with the lowest interest rate, which may or may not be 3.51 % at present or 3.76 % prior to an interest rate decrease which I am entitled to. The {$1000.00} payment should have been applied to my group of loans wherein the alleged " Original Balance '' ( from the perspective of a letter EdFinancial sent me just now ) is $ XXXX {$2500.00}. I was specific in many forms of communication with EdFinancial as to how to designate my money order including the letter in which my postal money order was enclosed, and even phone calls and emails, but EdFinancial pretended these communications and/or agreements and/or requests never happened and did not apply my {$1000.00} as it should have been. 

To make matters worse, EdFinancial didn't apply the {$70.00} payment to my account that they received by a banking or web method. To make matters even worse, EdFinancial didn't apply the {$8.00} payment to my account that they took from me by their webpage/web portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX  ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: GB Collects, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by XXXX XXXX in violation of FTC do not call registry rules and regulations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over 4 years old, its almost 5 years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats 4 years olXXXX. Also, this credit card which would be Lowes or Walmart was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: FIRST NATIONAL BANK OF OMAHA
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been called multiple times by a company claiming that my father is being sued by first national bank of omaha. I spoke to the bank and they told me that they have no lawsuit against my father. When the number called again I told them I spoke to the bank and the man on the phone threatened to prosecute my father who is currently sick.

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 2023-07-19
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 status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MA
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 2023-09-19
Company: DISCOVER BANK
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted discover to handle a situation that occurred XXXX of XXXX  when a payment to discover was returned and it was reported as a missed payment. I took care of it right away where discover received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and XXXX they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and XXXX changed the status again as missed payment I contacted discover again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and XXXX to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both XXXX and XXXX I highlighted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
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:
please i am asking to remove this incorrect account on my credit report that don't belong the me ive been a victim of identity theft before and still can believe people can still add incorrect Information without my consent best regards looking for to your continue assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: LEXISNEXIS
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I have supplied proof under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Case Number : XXXX RE : DISPUTE AMOUNT OF DEBT {$9600.00} Dear Jefferson Capital SystemXXXX XXXX XXXX XXXX XXXX We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to XXXX XXXX XXXX. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. XXXX XXXX XXXX Cashed our final payment of {$3100.00} and SOLD the loan to Jefferson Capital System on XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by XXXX XXXX XXXX on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to Jefferson Capital System. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I did not open the accounts listed on my credit report. Please help me remove them 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 explanation