BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-09-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-02-06
Company: EQUIFAX, 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:
I sent a letter on XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: RI
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: Was not notified of investigation status or results

Complaint:
THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,SCXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX  None Provided XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX  None Provided

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX VIA XXXX, EQUIFAX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
The company XXXX XXXX XXXX has submitted a false collection against me, I am a current XXXX XXXX XXXX customer. It was submitted to a Collection Agency by the name of XXXX XXXX XXXX. I have a current balance of {$0.00} with XXXX XXXX XXXX. If there was a balance owed XXXX XXXX XXXX has the ability to add any payments to my current account or contact me by email, phone, invoice by letter to the service address on file or through the online portal attached to the current service account I have with XXXX XXXX XXXX. Experian hasn't done the proper investigation into this false collection, all while sending alerts concerning misuse of my personal details on the Dark Wed.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2020-11-08
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Rez is my mortgage company I was doing a refinance last year through them, they have been working on it over a year and on XXXX last year put a late charge on my mortgage to prevent a XXXX XXXX or XXXX XXXX refinance. It benefited them to do so as they kept me locked in at 6.25 instead of 3.00 percent it is today. I either want my late removed from all 3 credit bureaus and or finish my refinance for free. This has cost me XXXX in extra interest it started XXXX yes a year plus. Ive been approved but cant get it together. Ive emailed ceo and upper management been told they messed up but nothing gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-05-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report 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 2018-08-14
Company: Experian Information Solutions 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:
This is my third attempt with Experian trying to resolve this matter without involving legal action. May this complaint serve as legal documentation for litigation purposes. I have sent in several documents including my original police report to Experian about fraudulent accounts on my credit report and Experian has again recklessly failed to follow reasonable procedures to ensure the accurate reporting. I asked Experian to provide me with a reasonable answer to why and a method of verification in which Experian has failed to do so. Experian continues to show disregard for the FCRA. These accounts were opened as a result of identity theft and i provided this information with my police report to Experian but they have failed to remove these accounts nor have i received information as to why they continue to report these fraudulent accounts grossly effecting my credit abilities. Congress enacted FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. Due to Experians negligence of this act, I'm unable to have fair market value in applying for new credit. My next step is to contact my Attorney General in this matter. Im a member of the XXXX XXXX serving my country proudly, to be a victim of identity theft and having a private company like Experian not comply with Federal Law. I feel i have been victimized twice in this matter. May this complaint serve as a legal document for litigation purposes.

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 2022-05-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Nissan Infiniti is reporting my returned lease as a Termination on my Credit report. The dealership Solicited early trade in and they would give me a outstanding deal on the new lease I transfered into. They are also reporting a monthly payment on my credit report that we didn't agree on. 

Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: ALLY FINANCIAL INC.
State: CO
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 had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had 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 2023-08-01
Company: Paramount GR Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing to you in the condition of denouncing the financial GOODLEAP and the company XXXX XXXX XXXX, by one of its sales representatives XXXX XXXX having sold me an extremely expensive solar system, with lies, I was going to give a saving which is not true so attached proposal of the same plus the contracts with the financial and with the installation company, for having sent me contracts in English and not in XXXX, so that I could read all the clauses and conditions indicating that I would no longer have invoices with the electric company when it is not true and all this is because of the difficulties that I have gone through with the company XXXX XXXXXXXX XXXX that have made the installation without professionalism it reached the point such that I do not have the installation finished and at this time I no longer want, I renounce this because the service I hire in the month of XX/XX/2022 is not yet installed or finished and less producing, in addition to the supposed promotion that I was sold of an unpaid year that has served everything is a farce which I am denouncing. 
I have communicated with the financial GOODLEAP on several occasions to see if they could help me through them with the supplier and installation company but without any result therefore I request to terminate this contract that in my point of view is a fraud and that has not been terminated is not in operation what I supposedly buy to give me a service is not working I have not been able to use it that I have bought is not giving me any service. 
Next I am making you participate in what I am denouncing to other entities of everything that has happened to me in that project.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: GA
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 have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by 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 2023-06-21
Company: EQUIFAX, INC.
State: GA
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 writing to formally request that Equifax conducts a thorough investigation into the recently updated and modified information as of XXXX XXXX  on my credit report as per the letter notice received from Equifax in the mail. I have noticed additional details such as Status Date, Balance Date, and Verified Item that require investigation. I insist that Equifax takes immediate action to remove any incorrect, inaccurate, and unauthorized accounts from my credit report. In order to proceed with this investigation, I kindly ask that Equifax provides me with a contract agreement containing my full signature and matching my full social security number, as it would serve as evidence of my supposed account with XXXXXXXX XXXX  and authorize XXXX XXXX XXXX to collect a debt from me. Equifax has yet to demonstrate how this account was validated or verified. Considering the violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ), I demand the immediate removal of this Collection from my credit report. It is crucial to emphasize that I have contacted XXXXXXXX XXXX multiple times to inform them that I have never entered into any contractual agreement with them, nor have I opened any insurance account. Unfortunately, XXXX XXXX has failed to provide any documentation or records supporting their claims. Despite my repeated attempts to rectify this situation, the issue remains unresolved. Should the need arise, I am fully prepared to seek legal assistance through the Office of Veteran Affairs to address this matter. As I am a XXXX XXXX XXXX XXXX. The inclusion of this incorrect Collection on my credit report has resulted in the denial of a loan and has caused significant harm to me. Consequently, I am prepared to take legal action against all parties involved, including Equifax, XXXX XXXX XXXX, and XXXXXXXX XXXX. It is important to emphasize that this situation is not only unlawful but also unjust, and I expect a swift resolution. In conclusion, I urge Equifax to conduct a thorough investigation and human review, rectify this issue promptly, and remove any erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 A scammer from the account XXXX XXXX on cashapp received {$80.00} from my account $ XXXX after hacking a family members personal accounts and pretending to be them. I reported the fraud. It took cashapp 20 days to respond by telling me they would not give me my money back. Cashapp also allowed the acct to still remain active. I called cashapp to talk in person and they claimed to report the claim but said they will not be giving my money back. They told me vocally on the phone to contact the scammer and request my money back. I asked if they would still keep the scam account active and they said said they would provide no further info and hung up on me while i was talking. Nothing was resolved. The platform allows scammers to thrive and cashapp provides no protections to customers against them which should make cashapp complicit in criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX and Experian Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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