BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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 have been disputing with Equifax since XXXX over then furnishing XXXX XXXX on my credit report. 

Equifax has violated 15 U.S. Code 1681- Congressional findings and statement of purpose ( 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. 

Equifax has furnished misleading information that has caused extreme financial harm to my financial reputation, and has violated my consumer rights. 

Equifax is reporting on time payments on I printed my credit report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

Then I purchased another report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

My report says I'm late 120 days, but my past due amount is XXXX Account status is paid. Who paid it, how much did they did pay. 

All this information is inaccurate and needs to be removed immediately Who made payments to this account, if it was already paid to a XXXX balance. 

All this information is inaccurate, please remove immediately. 

Also, Equifax never responds to me inquiry with a written response. They claim they have, but they haven't. And if they have, where is the tracking number for proof. 

Please ask them to remove this account now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2023 Transunion, XXXX, XXXX Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction. 

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/XXXX I mailed two different money orders for two different accounts to them for my XXXX payments. On Saturday, XX/XX/XXXX, I received both money orders in the mail. SYNCHRONY stated that they did not know whose account to credit the payments to. I am so confused. When mailing my payments to them, I included a copy of each SYNCHRONY statement, a money order, with my name, mailing address and the last four digits of my credit card. My payments had been mailed to them well in advance of the due date. Because SYNCHRONY was unable to process the money orders, one account is showing past due. They texted me that my account was past due. I am also being charged a {$30.00} late fee. I think SYNCHRONY is intentionally returning payments, misapplying payments so that they can collect late fees. 

Last year in XX/XX/XXXX SYNCHRONY stated that they never received my XX/XX/XXXX payment for one of my accounts and as a result my account was past due. I had to pay XXXX XXXX {$15.00} to get a copy of the money order. SYNCHRONY cashed the money order. I do not know whose account they credited but it wasnt mine. After sending them a copy of the cashed money order, they finally corrected my account. BUT they also charged me an additional late fee of {$60.00}. Because of their mistake, I was out of pocket an additional {$75.00} ( the {$60.00} late fee + the {$15.00} to XXXX XXXX ). 

Because of SYNCHRONY 's mistake, I will owe them {$90.00} in late fees. But this amount is expected to increase as I am sure they will charge me an additional {$30.00} late fee for my second account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
During XXXX when XXXX you sent inquiries to credit bureaus send me copies of what you requested, what the inquiries were, and what the credit agencies sent you as a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: In progress
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 non-monetary relief
Consumer complaint received 2018-11-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-05-01
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.

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 non-monetary relief
Consumer complaint received 2023-01-30
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from XXXX saying that my e statement account is now available for XXXX XXXX XXXX. 

I have not opened any account in the aforementioned bank. I have frozen my credit in all three major credit bureaus ( since this happened to me two years ago at XXXX XXXX and XXXX XXXX ). 

I am going to the nearest M & T Bank after work to show this email as well, but I also want to be able to tell them that I have lodged a complaint about it here. 

Please help me. 

Thank you!

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 2023-11-12
Company: Genesis FS Card Services, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The XXXX XXXX XXXX has a credit card called Milestone. They sent me a pre approval & I went online were I was given {$700.00} with a {$75.00} annual fee.The card was mailed to me. I used it making purchases rounded up to about {$300.00} & started making payments. The payments never lowered the balance & they kept adding interest. They started calling me daily. I talked to the guy. Since I had paid {$500.00} already, ( thus the {$300.00} is paid off with {$200.00} in interest being paid ) he said when my lump sum came in from my employer, I could pay the {$700.00} ( they had me at {$990.00} still being owed ) & I would be back to a XXXX balance. Well, I paid the {$700.00} & I was left with over {$400.00} in interest yet to pay. I tried logging into my account with them & found I was completely locked out which means I cant look at my account to see anything.I tried to use the card to see if it was locked as well & it was. I called about my locked account & card with this never ending compound interest & a supervisor told me she would investigate then call me back with the results of the investigation. Never received any word on that investigation & Im at {$790.00} in interest being owed without any purchases.I cant use the card, the interest is piling without any purchases being made, Im locked out of my account, & Im ready to talk to my local prosecutor to see if I can press fraud charges. None of my other credit cards are like this. I still have the emails they sent me as well to pay a lump sum & then the interest would just go away. At this point, I want the card closed which they still refuse to do even after I sent out letters in the mail & this company investigated for fraudulent claims. {$300.00} dollars, {$75.00} of that is their annual fee, should never result in {$1700.00} in interest charges. Plus they changed their company name from GE Finance to XXXX XXXX. Too many lawsuits I guess. Issued by the XXXX XXXX XXXX & serviced by XXXX XXXX aka GE Finance.

Company response to consumer: In progress
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this Collection company is reporting this account on my credit report. I have asked this company to validate this account. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Nelnet, Inc.
State: TN
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:
NELNET still continues to report my PAID IN FULL student loans to the credit bureaus as being open. The suppression has been lifted but the still continue to report incorrectly. This needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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 contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. 

I asked XXXX XXXX to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. 

Please validate as I requested prior XXXX XXXX and XXXX bank. 

Please also provide me with information on the bankruptcy also reported being I called the courts to obtain proof to have this removed and was told that they by law can not report this information to credit agencies. So if that is the case, this is against the law being the courts did not report it. 

I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Please remove being I never authorized.

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 2023-03-23
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
Because I disputed an account with Navy Federal Credit Union, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Navy Federal before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Navy Federal Credit Union to furnish any " late payments '' to my consumer report. It is my belief that due to Navy Federal Credit Union business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation