BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: CA
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:
I'm sorry but I have to file another complaint against the credit bureaus even though I just filed one last month. I mean seriously guys XXXX! The credit bureaus response to me after letting you know they didn't address my dispute letters since XXXX is to tell me to " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. '' Is this a joke? And that is only the credit bureau that responded. The other two haven't! I submitted two different letters to each bureau with very specific disputes and concerns. I'm uploading them so you can have proof. This is yet more proof that the credit bureaus are just ignoring me and treating me like some XXXX XXXX. I want these accounts deleted NOW! The credit bureaus already had their 30 days times 3 and almost a fourth time.

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 2021-09-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently file a dispute against Synchrony Bank ( Care Credit ) because it has been reported incorrectly on my credit report. On XX/XX/2021 I can to an agree on a debt settlement amount with XXXX XXXX XXXX the third party collection agency that Synchrony transferred my account to. The settlement amount agreed to was {$5100.00}. The payment was drafted in two separate transactions due to the amount. 
Synchrony bank then report on my credit report that a payment was made to my account on XX/XX/2021 which was a lie. The debt was settled on 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 non-monetary relief
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.

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 2020-08-13
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent to SARMA on XX/XX/2020 requesting validation for an alleged collection account. SARMA received the certified letter, XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. To date, I still have not received a response of any kind and this collection account remains on my credit report. SARMA has 30 days to investigate my dispute and advise me of their findings and provide supporting documentation that this debt belongs to me. I have never received any communication to advise me of this debt and only recently became aware of this debt when I ordered my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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'm trying to buy a house so i ran my credit, and on my report i saw items that i didn't recognize. I did not authorize these items and i need these items removed from my credit report. I was advised to contact the FTC and my local police and i did. XXXX XXXX XXXX, 01 XXXX XXXX, 12 SXXXX XXXX 3, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: OH
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 checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

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 2020-08-13
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a debit card for my federal unemployment two weeks ago. I have been approved and requested weekly payments in which dates back to XXXX. Although last email stated approved and start requesting on XX/XX/2020, I've had a XXXX  balance the entire time. After being a victim of identity numbers stolen, i.e. S.S. #, D.O.B., etc, I simply would like to know if this was the only card issued. I have not received any call backs from the state or any answers. Please help. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: KS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is a collections account that is currently listen on Equifax and XXXX credit bureau. The collections was removed off of XXXX, as it was verified as the account does not belong to me. I recently contacted XXXX XXXX  and spoke to a representative named XXXX. I informed XXXX that this account does not belong to me and he has marked the account on their end as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
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 summited a complaint on XX/XX/XXXX  to Equifax alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/XXXX  stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Equifax put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore I have also filed a lawsuit against Equifax for violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 ) Several requests have been submitted to Select Portfolio Servicing, Inc. ( SPS ) to provide proof of debt validation. The response from SPS to date has been inaccurate. SPS continues to provide documentation on Provident Funding as the originator of the presumed debt. SPS has not yet furnished the original promissory note dated XX/XX/XXXX. Therefore, as a debt collector, SPS must cease and desist from all proceedings concerning ACT 91 and any foreclosure action they are pursuing until this request has been satisfied. This matter is still opened and in question.

2 ) SPS has sent eight ACT 91 disclosures, was that meant to be a scare tactic? Those disclosures were sent based on inaccurate information and lack of debt validation and proof of origination. 
XXXX ) What personal interest does SPS have regarding this presumed debt? 
XXXX ) In the notice of default letter from SPS dated XX/XX/XXXX, states that " the holder of the promissory note has instructed SPS to pursue remedies '' - where are the instructions from XXXX XXXX XXXX XXXX XXXX, provide copies of said instructions? 
XXXX ) Why has there been no communication between XXXX XXXX XXXXXXXX XXXX XXXXXXXX and said debtors, directly? 
XXXX ) DO NOT respond by sending any transaction history or any more copies of documents with Provident Funding or XXXX XXXX, that seems to be SPS ' usual and customary response due to lower level employees furnishing incorrect documentation. 
XXXX ) If the presumed debt is defaulted in XXXX days ( or more ), is there an insurance that pays up the defaulted amount thus satisfying the debt? If so, then why does SPS pursue the debt when it has been paid. That is a false and deceptive practice. 
XXXX ) SPS as a debt collector is not transparent and has refused to send a copy of the servicing agreement for the presumed debt. Once again, a request is being made to provide a copy of the servicing agreement to presumed debtors for review. 
XXXX ) DO NOT call, the method of communication should always be via USPS mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me 4-6 times a day, every single day. Today, XX/XX/XXXX I have record of 4 and thats because they are still going to try and contacting me later. Yesterday, XX/XX/XXXX they called me 6 times and the day before, XX/XX/XXXX 6 times again. On going issue. 

I tried to resolve the issue about them closing my accounts for no reason- they claim they needed to verify my identity yet Ive had this account since XXXX and nothing of mine ever changed. Now Im stuck with debt that I cant pay all at once because they closed my accounts and now they keep harassing me every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: SC
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:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13
Company: EQUIFAX, INC.
State: SC
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:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been with Fifth Third for 20 years and have never had a dispute of my debit card being stolen. On Saturday XX/XX/XXXX at approximately XXXXXXXX XXXX I received a text message from the Fifth Third Fraud dept. asking me if I was at XXXX trying to charge {$250.00}. I text back No. I went to look in my purse and that's when I discovered that my wallet was stolen from out of my purse. I immediately called Fifth Third and they told me they have now deactivated the card and they'll mail me out a new one. I asked about disputed any charges and they told me I had to wait until all transactions have cleared before I can dispute the charges. On Tuesday XX/XX/XXXX all charges had finally cleared. I called them to dispute the charges. On that day there were about 10 to 12 charges that cleared. I asked him were they charges from XX/XX/XXXX because I only made 2 transactions that day and told him which transaction they were. He went on to name atleast 8 transactions. I again kept reiterating to him I only made 2 transactions on XX/XX/XXXX before my card was stolen. They sent me a letter denying my claim because they said some of the charges were from before my card was stolen and they couldn't clarify. I called and spoke to a dispute supervisor after reviewing my account and told her specifically which 2 charges that were from the fraud. They said they would open the case back up to review it again. They denied it again because they said they have to base it on the original dispute call on XX/XX/XXXX. They told me that even though they do know that there was fraud and they did text me to let me know about the fraud and they know that I called back in to correct the verified fraud charges that they're decision is final because they have to base it on the call on XX/XX/XXXX and not the call of me correcting the dispute charges which was a XXXX gas station for {$110.00} and a XXXX XXXX purchase of {$250.00}. They blocked the XXXX of the {$250.00}, that's when they text me and alerted me of my card being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, as they are clearly in violation of the law. According to 15 USC 1681b, which pertains to the permissible purpose of consumer reports, the law explicitly states the following : ( a ) IN GENERAL : Any consumer reporting agency is allowed to furnish a consumer report only under the following circumstances and no others : ( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

I want to bring to your attention that I did not provide any written instructions to Experian to include certain information on my credit report. Therefore, their actions are in direct contradiction to the law stated above. 

Additionally, as per the Fair Credit Reporting Act ( 15 USC 1681 ( 2 ) ( a ) ( i ) ), exclusions from a consumer credit report are clearly defined. The Act specifies that the term " consumer report '' does not include the following, except as provided in paragraph ( XXXX ) : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as the transactions or experiences between the consumer and the person making the report. 

I request that Experian promptly updates the late payments on my consumer report, as their failure to do so is a violation of 15 USC 1681. Furthermore, I insist that they provide a free copy of my report after the necessary changes have been made. 
The accounts are XXXX XXXXL XXXX, XXXX Failure to respond satisfactorily to my complaint and to comply with the aforementioned requests will leave me no choice but to pursue legal actions against Experian. In such a case, I will seek {$1000.00} per violation for the following charges : Defamation of Character Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) Violations of the Fair Credit Reporting Act ( 15 USC 1681 ) for willful noncompliance I appreciate your attention to this matter and kindly request that you investigate this complaint against Experian. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure the enforcement of consumer protection laws.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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