BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MI
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 continues to report me owing a balance. This account has been paid in full and should reflect as such. 

XXXX is required to refund the remaining balance of my consumer account. I am now requesting the full amount due immediately to avoid legal action. 

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;

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 2023-08-06
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$170.00}

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 ; XXXX XXXX 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 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of American Credit Card Number : ending XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX in the amount of {$15000.00}. This letter is in regards to my DISPUTE for the charges listed below, for the services prepaid that I have not received : XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} This transaction was used as partial payment to pay for the XXXX XXXX that will take place on XX/XX/2018 to XXXX, 2018 at XXXX. 

Please see my attached document for 1 ) my ticket to the XXXX XXXX XXXX 2 ) Receipt for the XXXX XXXX XXXX 3 ) Contract agreement for XXXX XXXX XXXX  The dispute amount of {$15000.00} was used as partial payment to pay for the XXXX XXXX  that will take place on XX/XX/2018. I was unable to attend because XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 

I did not receive XXXX XXXX service from XXXX. I did not get to attend the XXXX XXXX. I did not received the service indicated on the contract agreement for XXXX XXXX.. 

XXXX was shut down by the Federal Trade Commission on XX/XX/2018 and have been taken over by a Receiver named XXXX XXXX XXXX, please check the FTC website and the Receivers website for the latest updates. 

thank you very much

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 2019-07-30
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I experienced hail damage to my home during a catastrophic event on XX/XX/XXXX. I filed a claim with my insurance company and they promptly sent out an adjuster to examine the damages. A settlement check in the amount of XXXX was sent to me to cover the cost of the damages. My mortgage company needed to endorse the check in order for repairs to begin. At this point I was informed that it would be a " monitored settlement '' and they would have complete control of all distribution of funds to all contractors. Furthermore, they are requiring six pieces of documentation from each contractor before they release any funds. They will only release 1/3 of the cost to any contractor to start the job and will not release any more until the job is complete and inspected by a company of their choosing. Furthermore they are going to charge me for the cost of inspection by adding it to my mortgage payment. I pay my insurance premium, I pay my mortgage yet they have total control of the repair funds and if I don't comply as they said " your home doesn't get repaired ''. I also try to work with very reputable but small businesses in my community who can not afford to wait to be paid for jobs done. Their procedures will cause them hardship and limit my ability to chose the best man for the job. It is worth noting that I did not pick this company to deal with. My mortgage was sold to them and I am thus compelled to work with them. The mortgage company is New Rez based in XXXX XXXX. Their process is too complex and restricts my rights as a consumer who has never missed a payment or shown any other signs of fiscal irresponsible behavior. I also feel that the unnecessary delay in the repair of my home may cause more damage and cause me more XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report I unfroze it for XXXX hours in XX/XX/XXXX. My identity was stolen in the XXXX XXXX breach and ever since then fraudulent charges using my identity show up on my credit report. I SHOULD have perfect credit but others have had access and its destroyed. 
addresses not mine are showing up 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 {$480.00} not mine. 
Also I noticed that there was something out of XXXX XXXX  that I didnt do. 
My identity is stolen and even with it frozen still getting hacked into. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The way my loan payment is setup it is split into groups. If I pay by account, the amount I pay is split by them between the three groups. But it doesn't specify which group is getting what. 

Two years ago I made a large lump payment from inheritance that cut my owed amount in half. And after that I paid an average of {$100.00} payments which was double their {$58.00} recommended amount. 

The {$58.00} was being split between Group A and Group D, with interest rates of 4.5 % ( Group A ) and 3.860 % ( Group D ) while {$0.00} was being applied to the loan with the 6.8 % ( Group B ) rate meaning it was just gaining interest this entire time. 

Since then I've been using the 'pay by group ' option so I make sure some of my payment is going to Group B. 

I've attached the screen to show how they look, but since I already paid for this month it won't show the automatic distribution. I can provide that at the start of the month when the next payment required shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-07-08
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Upgrade failed to provide the disbursement to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX since the loan funding date of XX/XX/2021. Upgrade has further refused to respond to inquiries regarding the distribution to XXXX XXXX, specifically the check number for the distribution and status of the check ( cleared or not ). 

According to the Upgrade website, only the cash distribution to my bank account was completed in the amount of XXXX. That said, Upgrade is retaining most of the loan amount despite demanding the first loan payment on XX/XX/2021, in the amount of XXXX which I provided per the terms of the loan agreement. 

It is my position that Upgrade is in breach of the loan agreement based on their failure to distribute funds to XXXX XXXX and provide proof that they have done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: AES/PHEAA
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:
On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX   disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2018, I received a PRE-APPROVED application for an XXXX XXXX card through XXXX. I carefully read through ALL information before submitting my application. I did not find any mention of a hard credit inquiry that would be placed on my experian credit file. Several times it was mentioned that I was XXXX. My credit profile had already been PRE-SCREENED. I was completely shocked to see a hard credit pull from XXXX. I did not authorize this inquiry, nor was I informed that it would take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, I recently received a copy of my (, XXXX, Experian XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, Experian, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-06
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:
Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 
THIS INCLUDES XXXX AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This 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 this account, 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 this inaccurate account in my file. 
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 2023-12-27
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX offers guaranteed services for both treatment of lawns and shrubs as is shown on their web page ( Is my XXXX XXXX and XXXX service guaranteed? 
Yes. Customers benefit from our XXXX XXXX, which means we will gladly re-visit your property between scheduled visits at no additional cost to make necessary adjustments to deliver quality results for your trees and shrubs. ). On XX/XX/2023, I requested a callback service according to the XXXX XXXX for XXXX of my shrubs, XXXX billed me. After I canceled my service on XX/XX/2023, XXXX still treated my shrubs and billed me. They have now employed a collection agency to collect the amounts that I do not owe them. In the meantime, the shrub is blighted as XXXX admitted since XX/XX/2023, and up to XX/XX/2023. In short, I do not owe XXXX {$160.00}.

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