BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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 second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. 
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 explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
You are in direct violation of the fair credit reporting has violated several of my rights. 15 U.S.C.1681 section 602A.Clearly states that I have the right to privacy. 15 U.S.C.1681 Section 604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C.1666B A creditor may not treat a payment on a credit card accounts under a open -end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 2020-09-16
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to financial hardship from the Covid-19 Pandemic, I have been unable to pay my car loan payment. I have made multiple attempts with creditor to come to a solution to repay the debt owed. There was extreme loss in wages that caused risk in losing our home. I requested the creditor to place 3 payments on the back end of the loan for the time being until it could be repaid but was denied relief of any sort. Requested to try to refinance but creditor stated that they do not do refinancing. Vehicle was previously in an accident so it would have become an upside down loan and placed my family and I in a harder financial situation to continue to make the payments. In result of that, my vehicle has been surrendered by the primary owner ( my ex-significant other ). The loan is still open in his name as well as mine ( I am joint owner ) and I have been without a vehicle. The vehicle was originally for myself but I had to be placed as the co-signor. The creditor also allowed the vehicle to be surrendered without my approval by the primary owner listed on the vehicle title. I was attempting to make as much of a payment as possible and was not aware that the vehicle was being surrendered until after it had been done. The vehicle was taken by the primary owner without my knowledge after it had been repaired in XXXX from an accident. I was denied access to my vehicle by the auto body shop when I made the attempt to pick it up when it was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud. remains on my file with the last investigation. Based on the previous information, I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Wednesday XX/XX/XXXX I received an email stating I had changed my pin to my WayToGo Alabama child support card. I had not done that and promptly called them where I waited 49 minutes on hold and then was just hung up on. I used the automated system and closed my card and reported it stolen as my pin had in fact been changed when I checked. I received another email a few days later stating my pin had been changed again. I then went to the ATM to try to pull out what money I had in there and it said that my card was not recognize to contact my financial institution. Through all of this I had tried to call them almost every single day if not a couple times a day and every time it would say they did not have customer service reps available to try at a later time or use their automated system. During this time I had two deposits made and had {$390.00} in there. On XX/XX/XXXX someone transferred {$390.00} out of that account. Upon research it was to XXXX XXXX  I will attach pictures of the transfer. I called a certain bank as I am not able to get a hold of the way to go card people and it looks like it is the bank attached to XXXX XXXX. They were unable to give me any information regarding the transfer. Im not sure what else to do with this time as I can not get anyone on the phone to help me and the deactivation of my card didnt stop people from being able to pull money out of my account. I have attached the emails where I contacted the child support division here in XXXX County where they were not able to help me with this matter. I have also attached the documentation of the transfer out of my account As well as the emails that I received stating my XXXX   had been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN ; DISPUTE/CLIENT RESOLUTION SPECIALIST RE : UNVERIFIED ACCOUNT Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : -- XXXX XXXX  XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned account. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove said account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX XXXX and EOS CCA. I made the request several years ago to XXXX XXXX and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for XXXX XXXX and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. XXXX XXXX nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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:
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. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX XXXX Account Num : 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 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 report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Gap store ( Synchrony Bank ) closed my account because I was making payments with automatic payment since XXXX never missed a payment, I stopped the automatic payment in XX/XX/XXXX and made manual payments for XX/XX/XXXX and XX/XX/XXXX, they said I never stopped the automatic payments so you can't have two stop payments in a 12 month period even though I made the payments manually, they still closed my account without notifying me telling me that there was a problem with the automatic payment, I didn't know what was going on, I had talked to four representatives they had me thinking I missed two payments when I didn't, they said they can not reopen my account because I should've removed the automatic payment. Now it's gon na be on my credit report as a closed account, when I never missed a 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 explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a drop in shelter for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the BASEMENT OF CHURCHES IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the parks dept for 6 months thats missing as well.it is a mess in 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX Company Account Num : 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 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 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXXXXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Portfolio Recovery Associates violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of {$460.00}. 
I am demanding Portfolio Recovery Associates to send me a forward flow agreement which will be all the information needed to determine if they have the legal right to collect on this account that XXXX XXXX XXXX XXXX charged off. Portfolio is furnishing information on a debt was charged off with the intent to coerce payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with PayPal. My account was in good standing with deposits and debits. I was then a victim of theft-my wallet and other personal information was stolen. I cancelled my debit card and disputed charges with PayPal. And some transactions were refunded. Every day I would check my account and every day there were new fraudulent charges on my account. Because of the fraud, PayPal has now permantently limited my account and is holding my {$100.00} -they state-for 180 days. I have no access to my funds. I was already the victim of theft and fraud and now it seems as if PayPal is doing the same thing. I just want access to my funds and then I will, myself, close my account with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2022-04-20
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Right out of XXXX XXXX I owed approximately {$150000.00}. I could not afford the full payment which would have been almost {$2000.00} so my loan was immediately put on an Income Drive Repayment plan. Over the next 8 years it kept getting renewed and I was told that at the end of the 20 years my debt would be forgiven. About 2 years ago, I was advised that the best was forgive but not the interest. At that point, the interest had amounted to approximately {$150000.00}. So although I was paying {$700.00} a month, none of it was covering the principle and the interest just keep getting high and higher. I was able to consolidate the Fed Service Loan with XXXX private loan, but now I owe {$300000.00} ( the original loan from 10 years ago, plus the interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company posted late payments on my report. Thats not true they were on time but the credit card company sent the money back to my personal checking account each 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I check my credit report with Experian almost daily. my score was XXXX and for no reason it dropped XXXX points. When i asked why this is the answer i got " We are not licensed credit advisors. That is not what we do. '' I also check my transunion report and it went up XXXX points to XXXX at the same time the other dropped XXXX points. They refuse to give me a reasone and nothing has changed on my report or my credit. I feel they need to put it back where it was or at least give me a valid reason as to why this happened.

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