BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to report an issue that I have encountered with my credit report. On XX/XX/2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company sent me a statement saying that I owed a debt to them and I have not heard of this company until receiving this notice. They have received a cease and desist and are damaging my reputation by putting this negative information on my consumer report after receiving such notice. This company has also defaulted in responding to my debt validation requests and affidavit of truth. I have also sent them highlighted violations they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-09
Company: EQUIFAX, INC.
State: TX
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 act XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Thursday, XX/XX/XXXX, I called the Check N Go debt collections number to let them know I am unable to pay the full amount I owe due to significant reduction in hours at work. I can barely pay my monthly rent, much less extra expenses. I agreed to pay what I could that day, which was {$40.00}. I told them I could call back on XX/XX/XXXX ( my next pay date ) to make another payment. The original person could not get my card number correct event after three tries. I asked to speak to a manager, as I was frustrated. The manager told me at first that if I just gave him the next date of when I would call in, it would take my loan out of active status and I would stop getting calls. I gave him the date, then he backtracked and tried to get me to commit to paying an amount on a specific date. I told him I do not want them withdrawing money out of my account automatically. He then told me I needed to commit to an amount in order to be taken off active status and not get repeated calls. That is not what he originally told me. I feel that he put me on a list and is punishing me because I was irritated with him and expressed my frustration. It is not my fault that I got reduced hours at work, and they need to work with me on payments that work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.

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 2023-02-28
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The EXperian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$800.00}

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
Consumer complaint received 2023-02-20
Company: BARCLAYS BANK DELAWARE
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2023-03-09
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: Account information incorrect

Complaint:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2022-04-09
Company: EQUIFAX, INC.
State: PA
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  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Personal information incorrect

Complaint:
I had earlier filed a complaint regarding to TransUnion on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking TransUnion to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the 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 explanation
Consumer complaint received 2020-09-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a refrigerator in XX/XX/XXXX from Conn 's Home Plus. In XXXX of XXXX, I began having problems with the refrigerator ; the freezer was not freezing and it was making a loud humming noise. I purchased a warranty for this refrigerator. The Conn 's technicians were at my home three times and was not able to repair the refrigerator. Conn 's stated they will give me a full credit for the refrigerator, {$1100.00} and agreed to purchase another refrigerator. I purchased a new refrigerator on XX/XX/XXXX, to replace the defected refrigerator. Again I purchased a warranty. The defected refrigerator was picked up by Conn 's on the same date of the new purchase ; new refrigerator purchased was delivered on XX/XX/XXXX and the defected refrigerator was picked up on same date. 

I have made numerous attempts by calling and sending emails to both Conn 's and Synchrony ( the purchase is being financed by Synchrony Home account ending in XXXX ). Both refrigerators are still reflected on my Synchrony account ; I have only ONE refrigerator ; the purchase of the second one is {$3500.00}. My credit score has dropped and now Synchrony is stating I'm past due with them by an amount of {$160.00}. I have made my monthly minimal payments due to Synchrony timely each month, with a " zero interest '' for two years. Synchrony representative informed me my payments increased from {$70.00} to {$130.00} ; I have paid {$70.00} monthly since I purchased the refrigerators. I was not informed my payments would change. I am still waiting on the credit for {$1100.00} for a refrigerator which was picked up. Neither party has resolved my issues. 

I will attach copy of my invoice for the replacement of the refrigerator which was on XX/XX/XXXX. The amount of credit is on the Conn 's invoice, plus notation of the exchange. I am also provided you with my last statement I received in XXXX, reflecting the {$70.00} minimal payment ; which show no changes for the purchase in XXXX, however, no credit of the exchange.

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 monetary relief
Consumer complaint received 2023-02-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My business several months ago started receiving large amounts of SPAM that is obviously the result of our PPP loan and discharge. The spam uses my business owner name and business name and offers " business loans '' using deceptive emails and directing to deceptive websites. Unsubscribe requests are not honored. 

I get 2-3 of these emails every day, and frequently from the same small group of companies that are likely spamming every single business that got a PPP loan XXXX 

The most recent email claims to be from a " XXXX XXXX XXXX '' which is the name of an actual bank that was merged into US Bank in XXXX, but which no longer exists. The address used is a XXXX mailbox and office-sharing company. I believe it is illegal of a non-bank offering loans to even use the word " bank '' in its name. 

Full email copied below : XXXX, I wanted to reach out and let you know that we are back to offering our term loan products due to the high demand from our current portfolio. In the past The XXXX XXXX had applied for a line of credit with one of our subsidiaries, so I ran a quick credit analysis and wanted to push out an offer in the amount of {$180.00}. 
The business loan is good thru XXXX XXXX and can be activated at any time. Since we offer a variety of business loans I would suggest you call one of our loan officers at ( XXXX ) XXXX to discuss the best structure for any upcoming projects. 
If you want to take a peak for all current available offers The XXXX XXXX would qualify for, click here on your custom portal. 
Should you decide to reply via email please state the dollar amount request so I can have the appropriate person reach back out. 
Sincerely, XXXX XXXX | Chief Credit Manager Phone : ( XXXX ) XXXX Email : XXXX If you no longer want to hear from us, click here to Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

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 2022-11-17
Company: Experian Information Solutions 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:
Experian credit bureau has violated my rights according to 15 U.S.C 1681i procedure in case of disputed accuracy. It's been well over 60 days since Experian conducted an investigation into my dispute and my credit report is still reporting inaccurate information. According to the FCRA everything must be 100 % accurate. I am disputing a collection account XXXXXXXX XXXX XXXXXXXX account number XXXX. it was closed and removed by the original creditor Via a CFPB complaint response where it clearly states the steps, they took to have the account withdrawn from the credit bureaus. I have also attached a screenshot of the company 's response

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 2022-04-09
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Required disclosure by the collector ( credit corp solutions ) did not include information informing me ( the consumer ) that additional information regarding consumer protections in debt collection is available on the bureau 's website at www. CFPB.gov/debt-collection. Did not disclose the specific link according to 86 FED. reg. 5766 at 5812 ( XX/XX/2021 ) on validation notice. ( 1006.34 ( c ) ( 3 ) ( iv ) The validation of debt was not provided as requested by law ( 15 USC 1692g ). The debt collectors mailing address is in question. The debt collector can only include one mailing address in the validation information. Two different addresses are listed on two of the verification notice for the same reference number XXXX. 

The debt collector failed to confirm my identity according to Reg f official interpretations. The collector must produce my name, first, middle and last name as provided by the original creditor. The debt collector omitted my full name and has not satisfied the requirement to provide the consumer 's name pursuant to ( Reg f ) 1006.34 ( c ) ( 2 ) ( iii ).

The original account number/truncated version of the originating creditor ( not the debt collector ) is not correctly specified on the any of the validation notices provided by the debt collector 15 USC 1692g .

Company response to consumer: Closed with explanation