BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 : Account name : # XXXX  {$1000.00}, Account name : # XXXX XXXX XXXX {$330.00}, - 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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.

Also they aren't 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 2023-08-09
Company: Experian Information Solutions Inc.
State: RI
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy 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 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

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 2023-01-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I CALLED EQUAFAX MANY MONTHS AGO BECAUSE THEY WILL NOT ALLOW ME TO SEE MY UPDATED CREDIT SCORE AND REPORT THEY STILL HAVE IT ON MY EQUAFAX REPORT AND I WANT THIS " INTERNAL BLOCK '' REMOVED IMMEDIATELY. 
THERE IS NO NEED OR WANT FOR THE INTERNAL BLOCK. EQUAFAX HAS NO ALERTS ON MY CREDIT REPORT NOR DO I WANT ANY ALERTS ON MY CREDIT REPORT AT THIS TIME. FOR ANYTHING RIGHT NOW AND I WANT THIS BLOCKAGE REMOVED ENCLOSED ATTATCHED IS PROOF OF ADDRESS AND MY SOCIAL SECURITY CARD NUMBER, WHICH IS PLENTY OF PROOF OF IDENTITY. THEY HAVE BEEN LESS THAN COOPERATIVE ABOUT THIS AND IM GETTING SICK AND TIRED OF THERE STALL TACTICS. CONSUMERS HAVE A RIGHT TO HAVE REPORTING ACCURATLY ON THERE CREDIT REPORTS UNDER 15 U.S.C 1681 I HAVE THE RIGHT TO HAVE THIS REMOVED EQUAFAX HAS ALL VERIFIATION OF MY IDENTITY ALREADY UNDER THE PROOF OF IDENTITY LIST ON THERE OWN WEBSITE EQUAFAX IS VIOLATING MY RIGHTS AND I WILL CONTINUE WITH AN ATTORNEY IF NEED BE. REMOVE THE INTERNAL BLOCK THAT YOU HAVE ON MY CREDIT REPORT AND ALLOW ME TO SEE MY REAL SCORE BECAUSE I KNOW MY SCORE IS NOT A XXXX. STOP THE STALL TACTICS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card with Goldman Sachs was restricted on XXXX I contracted support from the link and they had me reset my AppXXXX ID and said it would be fixed. It was not fixed. Contacted them again and said I need to call the customer service number. I called and they verified a charge I made that they thought could have been fraudulent. I confirmed the charge and they said it would be fixed. Still wasnt fixed. Contacted them again and was told my account was under review but could not get me a time frame for the review. I contacted them again and they removed the restriction. I used the card on XXXX and the card became restricted again. I contacted support and they said it would be removed, and gave me a new card number. I tried to use the card again but the account was still restricted. Contacted them on XXXX  was told it was removed and to wait 24 hrs as their system was slow at updating. XX/XX/ account still restricted, called again and was told a supervisor would contact me within 24 hours. No one ever contacted me. Called XX/XX/ and was first told there was a server error but a supervisor was working on getting the restriction off. After I sat on hold for XXXX min I was told my account was under review again. Its been XXXX weeks and I still cant use my card. I had the card setup for autopay and have had to change my accounts due to my charges being declined. Every time I contact them it takes 30-60 minutes of my time and Im getting a different story from each representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information on my credit report provided by XXXX and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NY
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM 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 60 DAYS 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 EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I ordered a set of tires from XXXX on XX/XX/2021. I tried to cancel the order and was advised to simply refuse the delivery. I followed these instructions and XXXX was to return the refused tires to XXXX. The return shipment was lost in XXXXXXXX XXXX system. I followed all steps as instructed by XXXX customer service to obtain a refund, including, per their direction, filing a credit card dispute. I did so and provided Amex with all needed documentation. 

Twice now, Amex has simply accepted XXXXXXXX XXXX statement that because they don't know where the tires are, that I am liable for the charge. This is in direct contradiction to what XXXXXXXX XXXX customer service informed me, AND what their system showed. I have email confirmation from XXXX that a refund was being processed. It never arrived, and I was instructed again by their customer service to file a credit card dispute in order for Amex to obtain the refund from XXXX. 

Again, Amex has returned saying the charge is valid, when I explicitly gave Amex written proof that a refund was owed. 

I have spent MONTHS fighting this charge, and Amex has twice sided with XXXX XXXX XXXX XXXX department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: Village Capital & Investment LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX sent a letter stating that they could not verify our homeowners/hazard insurance policy, alleging that the previous XXXX policy was cancelled XX/XX/XXXX. If we could not provide proof of insurance they would be purchasing insurance for us. After some investigation we learned that XXXX XXXX was provided an incorrect mailing address for XXXX XXXX in XX/XX/XXXX. XXXX transmitted their policy renewal XX/XX/XXXX to the incorrect address. On XX/XX/XXXX after no payment was received the policy was terminated by XXXX. That XX/XX/XXXX letter was the first notification I received that indicated anything about a policy lapse or termination, a full year after the fact. XXXX XXXX stated that their office contacted our insurance agent 's office on XX/XX/XXXX to inquire about the status of the policy payment, and were told that the policy had been paid in full. Our agent 's office was mistaken. The policy had not been paid. XXXX XXXX never requested a copy of the Declaration page in order to verify the policy was current and paid. A year later, XXXX can not reinstate the previous policy due to the lapse. I have since secured homeowners/hazard insurance through another agency, however, we are unable to provide any proof of an existing policy for the time from XX/XX/XXXX until XX/XX/XXXX. I have received a Second and Final notice from XXXX XXXX dated XX/XX/XXXX again requesting we provide proof of a policy or they will be purchasing insurance for us in an estimated amount of {$1900.00}. We have requested that XXXX XXXX waive the requirement for us to carry homeowners/hazard insurance during that time due to their failure to verify the policy in XX/XX/XXXX and their failure to update mailing information. Our loan requires an escrow account, and it is my belief that XXXX XXXX 's policy and procedure for verifying insurance information is severely lacking in due diligence. They should not be purchasing insurance on my behalf for the lapsed time, as it was not brought to my attention until a year after the fact. That time has passed. No claims were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
NC Financial should not be reporting XXXX and TXXXX  a collection/chargeoff in the amount of {$11000.00} on the NCFINANCIAL Loan # : XXXX Account ID : XXXX partial account number XXXX. ( Please see page attached from my credit report. ) NC Financial is charging an in illegal interest rate. Per the National Law Center, the cap percentage rate on a loan in Utah is 25 % which is where the loan originated from. NC Financial is charging 64.60 %. This is egregious predatory lending to say the least! The past due balance is much higher than the original balance. This account should not even be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. The false reporting is seriously harming my credit score. I have contacted the bureaus as well as NC Financial to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX credit reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate. This has been an ongoing issue with previous report ( XXXX ) being closed due to not being specific. I am going to make it clear remove XXXX XXXX from my credit report as they have been reporting incorrect information on my credit report which has impacted my credit. Remove account immediately, I have provided proof that my write of balance of {$8400.00} showing on the status on my credit report is incorrect.

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 2018-04-20
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BARCLAYS BANK DELAWARE
State: IL
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:
REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed. 
BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX  Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX  of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed. 
ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated. 
3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed. 
REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.

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 2021-03-15
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to Equifax regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX  and the Consumer Financial Protection Bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation