BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Transunion refuses to give me access to my credit score and my credit report. I have been trying for over 6 months. My identity was stolen and these people will get things in my name then it will stop and will start again after a year. It has been ongoing for year 's. The police caught one of them but the others are still using my information. I have been trying to get access to my report online and every time I try Transunion says there was an error or I already have an account which I do not.

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 2021-08-26
Company: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX XXXX Entered into a consumer credit transaction with Westlake Financial on XX/XX/2020 using my credit card as defined under 15 USC 1602. 
A consumer credit transaction in which a finance charge was involved. 15 USC 1605. ( a ) defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash in which Westlake Financial in fact took cash in this consumer credit transaction. The finance charge is suppose to include Insurance. Westlake Financial did not include insurance and failed to clearly and conspicuously disclose to consumer of the right to have insurance provided in connection with this consumer credit transaction. Westlake Financial made me purchase insurance separately. Westlake Financial include fees imposed by third parties which is a violation of 15 USC 1605. ( a ). Westlake Financial did not disclose or provide appropriate forms for the consumer to exercise his right to rescind this transaction. 
Westlake Financial in fact willfully and knowingly withheld information required to be disclosed under the provisions of said subchapter which makes Westlake Financial criminally and civilly liable.

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 2018-08-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing a formal complaint on XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made three payments for three statement and the bank is contending that I was past due on a payment because I paid early. I have contacted the bank through CHAT SESSIONS to correct this error. 

On XX/XX/XXXX at XXXX, XXXX, Operations Manager, stated : Thank you for waiting, XXXX. I have corrected the account and removed the previous payment. 
On XX/XX/XXXX the amount due would be {$140.00}. Even this is incorrect. Amount due on XXXX is {$140.00}. 

On XX/XX/XXXX, XXXX XXXX stated between XXXX and XXXX : Thank you for waiting. I greatly appreciate your patience. XXXX, I see that the issue was taken care by my manager with whom you spoken on XXXX. This was sent to the backend team to get this corrected as we had the weekend our backend team wont work so this will be rectified by this weekend. Please dont be worried, as this was taken care, XXXX. 

On XX/XX/XXXX, XXXX XXXX stated at XXXX stated : It needs at least 1 2 billing cycles for the correction.

This is totally unacceptable! I checked my account today and it still stating I am {$140.00} past due. My next payment is due on XX/XX/XXXX! I am not paying them a past due payment when it has been an entire month and they havent rectified their error. I DO NOT WANT MY CREDIT AFFECTED BY THEIR INABILITY TO CORRECT THIS SITUATION! 

I found numerous complaints about this financial institution in researching if anyone else has had this problem with XXXX XXXX. 

Someone needs to inform this institution to correct their situations with their customers accounts in a timely manor as they state they would. Again, they are not getting another penny from me except the correct payment amount!!

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you remove this inaccurate data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only XXXX credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a )

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 2023-01-30
Company: EQUIFAX, 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 discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6200.00}, XXXX XXXX  XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I filed a CFPB XXXX against Experian around XXXX - XXXX 2014 regarding a 10 year old derogatory past due payment by XXXX that was not true. 

I contacted the Office of the President of XXXX, copy attached. In reply, I was assured the derogatory report would be withdrawn. 

If both Experian and XXXX still fail and refuse to correct this information, please let me know and I will have my attorney contact the Office of the President of XXXX - again - to require the removal of this false information and to hold their employees personally accountable for their actions. 

Please be advised, as result ALL other credit reporting agencies changed their information on this account and no longer contain derogatory information regarding XXXX or any other.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6200.00}, XXXX XXXX  XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, 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 non-monetary relief
Consumer complaint received 2020-11-05
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: Problem with personal statement of dispute

Complaint:
I complained about the Experian Boost Program. 

Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX Credit repair services Problem with customer service EXPERIAN XX/XX/2020 Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX  services Problem with customer service EXPERIAN XX/XX/2020 Open Company response is in progress as of XX/XX/2020 ... I was later contacted by XXXX XXXX, of experian XXXX XXXX XXXX | Experian Consumer Affairs | Senior Regulatory Affairs Associate XXXX XXXX  XXXX XXXX XXXX, TX XXXX I told him my concerns, he advised me to again provide him my utility information for XXXX XXXX XXXX..which I did .I have continued to pay all my bills on time, including XXXX XXXX ... When 30 days from last month passed again today.XXXX XXXXExperian reduced my credit rating by 23 points ... I feel this is retaliation for my complaints. 

I have attached my Experian credit report which shows no derogatory information on my report, no collections, also showing they have not added my XXXX XXXX electric utility leaving still at 4 accounts ... .There has got to be something that can be done ... I am XXXX years old, it would seem that my credit rating should increase instead of dropping.

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 2023-03-20
Company: Experian Information Solutions 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:
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, Account name : # 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
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened an account with Maurices on XXXX. I made a small purchase. I never received a bill, or an actual credit card. In XXXX, I went to the store and they were able to access my account, and I paid the balance I owed. I completely put the problem out of my mind. I noticed on XXXX that my credit report shows a past due balance of {$100.00} even. I called the credit card company, they said it was their error, and they would remove it from my account immediately. I filed a dispute through XXXX, and they still show I owe the {$100.00} balance. I owe nothing to this company, and it shows a negative mark on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: OH
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-03-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since XX/XX/2022 I have been charged XXXX NSFs totally around XXXX. In the intermediate I have called to explain my situation ( medical+hurricane XXXX ) and they have assisted me in some capacity ( moving dates due on loans and refunded 10-12 NSFs ). 

However, I have paid around XXXX in interest just last year ( 2022 ) on my credit accounts with them. All I am asking for is to refund half of the fees, which only accounts for around 15 % in just interest I have paid to the credit union. 

XXXX fees is absolutely ridiculous. I do not qualify for overdraft, I have no savings to link. I am just asking for reprieve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
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  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 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
Consumer complaint received 2017-02-14
Company: ROC Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

Company response to consumer: Untimely response