BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: VA
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 U.S.C. 1681 Account List : 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 DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was a debt from XXXX, discharged in bankruptcy in XXXX. I have REPEATEDLY disputed this debt with Resurgent ( the collection company ) teeming them if was discharged.. They once again send a statement of the debt from XXXX, and start the whole process over stating that if I don't dispute the debt in 30 days, it will be valid.. This has been going on for months, if not years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default XXXX out of XXXX XXXX from XX/XX/XXXX. I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in XXXX XXXX against me before I lived there? I called XXXX XXXX XXXX who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX  account information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is XXXX  years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from XXXX XXXX XXXX asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and XXXX XXXX letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.

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 2023-04-29
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX, Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason. 

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me.

I have reached out to each credit bureau but have not been provided with any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 XXXXXXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CLEAR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/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 2017-02-24
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got ma letter from XXXX. It 's for XXXX. I believe it 's XXXX. I have not had this account open with them in 8-10 years? It was charged off with no payments made if it is this debt they are trying to collect

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 2017-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX account # XXXX {$630.00} Account ID : 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 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 XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )

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 2022-12-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 and 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 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 2023-12-21
Company: Experian Information Solutions Inc.
State: GA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : Personify # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  GA XXXX reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 15 USC 1681 Section 602 A. 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 an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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 2020-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On XX/XX/2019 I called Wells Fargo to verify that I was would receive the said bonus, the representative informed me that I would receive it if I meet the terms. I reached that objective, and called Wells Fargo on XXXX XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep I spoke to said he did not know what bonus I was referring to. I escalated the situation to the customer service department, they informed me that they do see where I spoke to a representative on XX/XX/2019 but do not see a record of a bonus. Wells Fargo informed me that they will open an investigation, they are giving me the run around about the bonus, and are not meeting their end of the deal/ online advertisement.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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