BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.

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 2022-04-07
Company: BARCLAYS BANK DELAWARE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : Demand for Removal of Errors on Credit Report COMPLAINT ID XXXX Re : Notice of Dispute Pursuant to section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my reports.

I demand this item to be DELETED from my credit report ASAP BARCLAYS BANK DELAWARE - Partial Acct # XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX Under Section 168 FCRA this Account Number # XXXX does not match my records nor the original creditors ' records to what reflects on my credit card and statement, therefore this item MUST be DELETED under this law. 

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 168 of the Fair Credit Reporting Act. I assume 30 days is a reasonable time for your investigation. After your investigation, please provide me with an updated credit report as well as the name, addresses, and telephone numbers of the individuals that have been contacted. 

Sincerely, 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 2022-04-12
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. 

I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. 

I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. 

I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. 

I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). 

I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XXXX XXXX For years I try to work With one main financial.. I've been paying them for years. my balance seems to be the same. That no matter how much I pay the balance does not seem to go down. I am paying high intrest rate. I use my old car as collateral and they will not even allow me to sell it. I'm paying for insurance on the vehicle, That i'm not even using. Plus I have to pay for registration. 

I spoke to one main financial multiple times to help me. I was given the run around. 

Here 's a little of my back story. In the last few years my wife became ill. She was already hospitalized and in the hospital multiple times this year alone. I started to struggle to pay my Bills, Due to the Overwhelming medical expenses. There was also hours that was missed from work., That cut out parts of our income. There was income loss hours. At this point I need to focus more on my wife And getting her better. I need this company to work with me. To also understand the struggles I am going through. To at least have a heart and understand This situation. I need this company To work with me and not against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.

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 2023-06-21
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:
Apparently they sold my student loans to another company which doubled what I owed

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 2022-09-29
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX Acoount # 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 record 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My XXXX account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. XXXX then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from Velocity Recoveries stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with XXXX  and Velocity, and they both do not have answers. XXXX told me the loan should not have been sold, it was then sold. XXXX told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from Velocity telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to Velocity. XXXX refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2017-05-19
Company: EZCORP, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
on  XXXX  I RECEIVED A CALL FROM  XXXX  AT  XXXX   XXXX . A MESSAGE WAS LEFT STATING THAT I NEEDED TO CALL BACK TO RESOLVE A MATTER OR ELSE MY CASE WOULD BE FORWARDED FOR PROSECUTION AND I WOULD BE ARRESTED. I RETURNED THE CALL AT  XXXX    XXXX   AND SPOKE WITH  XXXX . SHE SAID THEY WERE A PRIVATE AGENCY WORKING FOR A LAW FIRM, ANSWERED THE PHONE AT OFFICE OF INVESTIGATIONS. SHE REFUSED TO PROVIDE THE NAME OF THEIR AGENCY OR THEIR ADDRESS. SHE SAID IF I DID N'T PAY A {$700.00} DEBT TODAY THAT THEY WERE FORWARDING MY CASE FOR PROSECUTION AND I WOULD BE ARRESTED AND BASED ON COLORADO LAW I WOULD BE SERVING  3 t o 5 YEARS IN JAIL PLUS A {$5000.00} FINE. I CALLED BACK MULTIPLE TIMES TO GET A STATEMENT SENT TO ME AND TO GET THE NAME AND ADDRESS OF THEIR COMPANY. I WAS HUNG UP ON, FORWARDED TO A GENERIC OUTGOING VOICE MAIL, OR PUT ON HOLD FOR OVE R 20 MIN UTES UNTIL I HUNG UP AND CALLED BACK. WHEN I ASKED FOR THE ADDRESS I WAS TOLD " NO '' AND TO HAVE A GOOD REST OF MY LIFE. '' THEY HAVE CALLED SEVERAL MEMBERS OF MY FAMILY ALSO TELLING THEM THAT I WILL BE ARRESTED FOR BANK FRAUD IF I DO N'T PAY THE DEBT IMMEDIATELY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from Synchrony to XXXX. However, payments to Synchrony were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called Synchrony to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from Synchrony were being sent to me. 
Harassment from Synchrony has persisted since early XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MO
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:
As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$0.00}.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX  Account XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights XXXX Or list of inquiries 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 2022-09-29
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:
My name is 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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. 

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 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 explanation