BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: DISCOVER BANK
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:
Account inquires i did not all or give authorization dates 2 different account bout for XXXXXXXX XXXX XXXXnd XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SYNCHRONY FINANCIAL
State: NJ
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:
SYNCHRONY XXXX  XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-12-06
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: NJ
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:
XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX. 
ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond? 

Check all that apply : x I want to dispute the debt because I think : This is not my debt. 
The amount is wrong. 
x Other ( please include additional information ). 
I want you to send me the name and address of the original creditor. 
I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Human CervicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My attached XXXX and Trans Union credit reports, both dated XX/XX/2023, for XXXX XXXX  XXXX, clearly and unambiguously show obvious materially prohibited differences and discrepancies such that at least one of the reports with XXXX XXXX  XXXX account data has inaccurate data, as both reports can not be both accurate. Investigate and permanently correct the inaccurate data or preferably permanently delete my XXXX XXXX XXXX  from every CRA.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 explanation
Consumer complaint received 2022-03-26
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-26
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Trident Asset Management, L.L.C.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account TRIDENT ASSET MANAGEMENT, LLC which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that TRIDENT ASSET MANAGEMENT, LLCwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a Wells Fargo mortgage customer back in XXXX when I applied for modification. After countless months of sending in documents and increase in fees, I was denied the modification. The bank tried to foreclose on the house twice and the State of NY put a stop to it. So, they turned around and sold the loan without telling me. By that time, the loan had increased to much more than I paid. 

This complaint is about the 3.7B Wells Fargo settlement that just happened in XXXX XXXX.The article online said if you believe you are eligible for a payment and haven't been contacted by Wells Fargo, to call them and so I did. They wouldn't even take my old account number to check me in the system. They just said that they didn't have anything on me. This led me to believe that they are not going to contact me about the settlement. 

I am just looking for them to make it right if I am eligible for payment from the settlement. 

Thank you for your help in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have about four accounts and all four are backed by XXXX XXXX. For whatever reason, one payment, this payment to XXXX XXXX is not getting applied correctly and the others have. Payments are being applied and this account has spiraled out of control. This happened once before and was corrected. This time once corrected I will either pay using a different method or figure out a way to pay off completely. Please waive any late fees, a revert interest rate back to lower rate if increased.

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 2022-03-26
Company: O&L LAW GROUP, P.L.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I realized that around {$6000.00} USD was withdrawn from my account from a law firm called O & L Law Group on a Legal Order. I have no idea what this debt is about. This company nor another agency has contacted me about this debt. If it is mine, I am willing to have set up a payment plan. Now, I have no money on my bank account, and I don't even have money for rent, food, or gas. This type of action shouldn't be legal. Please help. 

Also, I have received 2 letters from different companies that I have applied for loans which I have not. I am not sure if this is all connected. 

This is the law firm website : http : //www.ollawgroup.com/ These are the other two companies saying that I have applied for loans : Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Plus XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone might have used my name, phone number and email address to open a savings account with PenFed Credit Union. I called the bank and they could not confirm how that happened. I would like to report this incase it affects my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-03-18
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:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX  XXXX  XXXX {$93.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX  XXXX {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Credit Bureau Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
as of XX/XX/2018 {$1900.00} was paid to XXXX XXXX XXXX. THE COLLECTION COMPANY WAS TAKING OUT {$130.00} A MONTH AND STOPPED. THERE WAS NO COMMUNICATION. RECEIVED A CREDIT REPORT AND THE REPORTED THAT {$2300.00} WAS OWED ON MY CREDIT REPORT. THE BALANCE IS {$1300.00}. I CALLED THE COLLECTION AGENCY AND THEY STATED THEY DID NOT KNOW HOW THAT ACCOUNT OR AMOUNT GOT ON MY CREDIT. I REQUESTED THAT THEY REMOVE THE INCORRECT REPORTING AND THEY STATED ONLY IF I PAID THE BALANCE IN FULL. I ADVISED THAT THE AMOUNT IS INCORRECT AND THEY STILL REFUSE TO UPDATE THE INFORMATION CORRECTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have consistently been on time with payments, yet they are being reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that  regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX  she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: OH
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:
the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXXXXXX XXXX XXXX XXXXXXXX Closed XX/XX/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