BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Regarding : XXXX XXXX XXXX {$970.00} Acct XXXX I don't believe this collections is being properly classified as medical/healthcare. I've RECORDED several phone calls with Experian which leads me to this conclusion. Each representative I talked to gave me a different excuse for why this isn't being classified as medical. The excuses I've received are as follows : 1 ) Because the name of the original creditor implies that it is medical, it is not important that it be classified as medical. 
( a ) This is FALSE. Per the commonly used " Credit Reporting Resource Guide '', medical collections MUST populate the " Creditor Classification ( K segment field 3 ) as  code 2 " Medical/Health care. 
( b ) Some FICO scoring versions score medical collections less harshly than regular collections accounts. There is no way I believe that the FICO model goes in and reads creditor names to decipher if it may or may not be medical. If it's not being properly classified as medical, then FICO does not treat it as medical!

- 2 ) Because the collection agency that is reporting the debt itself is not a part of the healthcare industry, it is not required to report it as medical.

( a ) Again this is FALSE. FCRA Section 623 ( a ) ( 9 ) explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
3 ) This collections account actually is already classified as medical but I just can't see it on the version of the credit report I'm referencing. The Experian representative promised to send me the " detailed '' version of my report that will show the classification. 
( a ) The report the Experian representative sent to me is the same report I already had. There is no additional " detail '' or anything else that references this account as a medical collections. 
( b ) If there is a more detailed report, I'd like you to send it to me ASAP and quit stalling me. I want FULL DISCLOSURE of everything in my credit file as required BY LAW. I don't trust you to do the right and ethical thing therefore I want to see EVERYTHING that you are currently suppressing from my report! 
Either your representatives are uninformed or unqualified for the job they're doing, or you're knowingly LYING to me about MY INFORMATION! 
My next step is to file a lawsuit!!!

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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Yakima County Credit Service, INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-04-01
Company: ORG GC GP Buyer, LLC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Rooms 2 Go, Synchrony Bank account for a couple years, as I used it to make a bedroom/frame purchase from a Rooms 2 Go store in XXXX of XXXX. This was on a large no-interest policy, which was set to expire/end at the end of XXXX. Randomly at some point near the end of XXXX, the bank, while doing it's " monthly reviews '' decided my account should be closed and exerted it's authority in the matter, closing the account down, while preserving my no-interest policy. The original purchase was for {$1000.00}, with a minimum payment of {$17.00} a month. None of this is where my complain lies. 

Once they randomly decided to close my account, their actions also prevented me from using their highly convenient app to keep track and make purchases. I do not own a full fledged fully working computer so this was definitely an extra burden they put on me, and I believe their reasons for doing so are malicious. There is no reason to block someone out of an app designed to make payments convenient, unless their intention was to not make things convenient. As with most policies involving no-interest, if I were to miss a payment they would have the authority to not only revoke the no-interest policy but add on all of the interest from the beginning, netting them several XXXX dollars in interest fees and such. 

It is my strong belief that their action, and likely policy, to prevent customers with active debt, from accessing an app that all of their other customers are free to use and is available on all platforms, is an attempt push customers towards violating their no-interest policy. It is not lost on me that the decision to close the account was done solely on their end as well, meaning they have been responsible for every action. I am concerned their actions are malicious and intended to push customers in these situations to acrue even more debt, and there is no financial burden on them in allowing access to the same convenience features that all of their other customers enjoy. This was also a store credit card, giving even less reason to take such measures as it was for a furniture store and not prone to constant purchases.

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 2023-11-09
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In pursuance of 15 U.S. Code 1692e - False or misleading representations : A debt collector is restricted from using any false, deceptive, or misleading representation or tactics in the course of debt collection. This includes making false claims or creating implications, such as falsely stating that an individual is an attorney or that a communication is from a legal representative.

Moreover, in pursuance of 15 U.S. Code 1692
a - Definitions : It's important to note that the term " debt collector '' excludes any individual engaged in serving or attempting to serve legal process on another person as part of the judicial enforcement of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion began an investigation of XXXX., account # XXXX on XX/XX/2017 but did n't complete until XX/XX/2017 beyond the 30 day time period allowed by FCRA

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43.ok open end consumer credit plan as late for ar purpose.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-04-28
Company: United Accounts, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am writing to file a formal complaint against United Accounts , Inc. and XXXX XXXX. Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged debt. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrant investigation by your office. 

United Accounts , Inc. has engaged in false, deceptive, and misleading representations in connection with the collection of an alleged debt. Despite my repeated attempts to inform the agency that their claims are inaccurate, they have persisted in their unlawful collection efforts, and have threatened to use law enforcement against me if I continued to attempt to dispute the alleged debt. 

In a particularly concerning development, I received a text message from the phone number of XXXX XXXX. Lies, who is currently employed as a sheriff in XXXX XXXX. To my knowledge no party previously involved lives or operates in XXXX XXXX. In the message, the sheriff instructed me to contact the local police regarding the alleged debt, in a manner that suggested he was a XXXX police officer looking into the matter. I believe this communication was intended to intimidate and coerce me into paying the debt, despite my objections to its validity. 

The involvement of a currently employed law enforcement officer in the collection of an alleged debt, particularly when employing false or misleading representations, is deeply troubling and, I believe, in violation of the FDCPA. I respectfully request that your office investigate this matter and take appropriate action to address the misconduct of both United Accounts , Inc. and XXXX XXXX. Lies. 

The amount United Accounts Inc. is attempting to collect is {$110.00} text in question took place today XXXX Thank you for your attention to this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Still waiting on bank to open account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off.

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-28
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: Public record information inaccurate

Complaint:
Dear TransUnion, I obtained my credit report through a recent request to your company. There were U. S. Bankruptcy Court items listed on my credit reports. Per theFCRA 623 ( a ) ( 5 ) : " If a credit reporting agency cannotVALIDATEthe information with the U.S.court system, they must remove said information from the consumer credit file '' The Bankruptcy Court has mailed me a letter that emphatically stated they doNOTprovide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information isNEVERvalidated by the U. S. Court system due to the Fair Credit Reporting AgencyPRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion has never validated or verified this public record entry on my credit report. They further stated while they are NOT liable or responsible for anyMISUSE or INCORRECTpublic records. Considering the information indicating & Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to bePERMANENTLY DELETEDfrom my credit report immediately.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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