BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company : Mr Cooper My home was a total loss in the XXXX XXXX XX/XX/XXXX. My insurance company submits my claim payments to Mr Cooper, who should be reimbursing me. 

My builder bills monthly. Mr Cooper asks that I submit a letter to them every month asking for an exemption to their policy of only paying out quarterly ( which I did, XX/XX/XXXX ). As of XX/XX/XXXX, they are just submitting this to their 'corporate ' to request the exception. 

I do not have funds to pay my builder. There will likely be late fees. This is unfair practice- to have a payout structure that has nothing to do with the actual business of re-building a home. 

I am requesting that Mr Cooper release payments to me in a timely fashion, so that I can pay my builder every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Somebody used my social security and personal information to apply for credit. XXXX did a hard credit inquiry at TransUnion. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from TransUnion.

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 2022-03-13
Company: Experian Information Solutions 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:
On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-06-03
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 have attempted to get accounts on my credit report verified or removed. The credit bureau has blatantly denied my request and refused to investigate the issue and I am very upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CURO Intermediate Holdings
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've sent this company a cease and desist and they still sent me a letter in violation of 15 USC 1692b ( 2 ) and 15 USC 1692f ( 8 ) They also have violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX # 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX  accounts bellow .XXXX 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 2023-07-07
Company: Experian Information Solutions Inc.
State: AZ
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:
I am reaching out to discuss an issue with a XXXX XXXX XXXX XXXX account that is reported inaccurately on my credit report. 

This particular account, despite having been charged off, continues to be reported as such on my credit report every month. Moreover, in some months, there is no data reported for this account at all. This inconsistent reporting further underscores the inaccuracy of the information being provided. 

As per the guidelines of the Fair Credit Reporting Act, all information presented on a credit report must be 100 % accurate. Given the ongoing inaccuracies and inconsistencies with this account 's reporting, it is clear that this standard is not being met. 

These inaccuracies are having a detrimental impact on my credit score, and I kindly request your assistance in rectifying this situation. I am seeking the removal of this charged-off account from my credit report, given the incorrect and inconsistent information being reported. 

Thank you for your immediate attention to this matter. 

Best regards, 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 2018-10-15
Company: Navient Solutions, LLC.
State: CA
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:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX, XXXX, XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX, XXXX, and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was a phone that I never had in my name through XXXX XXXX and it was supposedly open in XXXX XXXX the Midland Credit Management has been taking my income tax since XXXX XXXX and now they are saying that I owe {$690.00} the internal legal account no.is XXXX I called them up and they even said that they didn't even have me staying at the address at the time of the incident but my information was used for someone to get a phone and I never even had a house phone in my life but my information was used by someone else to get a phone the collection company told me that I even had a attorney and I didn't even know anything about this either this is their contact information Midland Credit Management XXXX XXXX XXXX, XXXX MI XXXX their phone number is XXXX and their fax number is ( XXXX ) XXXX The contact person is Attorney XXXX XXXX XXXX XXXX They already took my 2019 state of MI income tax of {$320.00} they have a garnishment case number of XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Risecredit, LLC
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have an XXXX credit score pay all my cards off every month and only debt I have is my mortgage and a small car payment. I was surprised when Synchrony Bank the issuer of my Care Credit Mastercard reduced my credit limit overnight from {$10000.00}. to {$1000.00}. I called and spoke with an agent who told me the reduction was done as " punishment '' for not using the CC card since XXXX 2021. I explained that my XXXX  visits had been good and our dogs had been heathy ( card is restricted to medical/dental/vet charges ) I asked for the explanation he had just told me to be provided to me in writing and the agent said he would email it to me. But after a brief pause on hold though, he transferred me to another agent who said the previous agent had " misspoke '' and that the credit limit reduction was actually due to " adverse info in my credit report ''. I then asked why my other two cards with Synchrony were unaffected if that was the case? I pointed out that my Lowe 's card had a $ XXXX credit limit. But the agent couldn't answer that question nor shed any ight why the two things could not be reconciled against each other. The agent said I would be mailed the credit limit reduction explanation letter. The letter never came and despite multiple assurances from Synchrony that they would provide me ( re-send ) with an explanation letter -- the explanation letter never comes.

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 2022-11-15
Company: Synovus Bank
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$140.00} ( XXXX XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$170.00} ( XXXX ) I called XXXX to all XXXX XXXX XXXX about a double billing issue. The person said they were a customer service representative for XXXX XXXX XXXX and would give refund. 

The person was able to hack into my bank account and quickly did the above transactions using XXXX. I did not authorize any of them and IMMEDIATELY hung up and went to my bank branch and reported the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Albert Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Albert ( XXXX XXXX XXXX ) ; Albert is a financial management application that hosts or offers to that of financial management and investment tools ; with that of a prepaid debit card service. Upon linking stated card with my XXXX XXXX XXXX account ; such service provider engaged in mutliple transactions non-initiated by myself the user. When contacting the company of regard ; the company sent back a flippant ; " This is what our service offers email '' ; indicating a state of non-care to company intiated transactions and exhibited manipulation of user funds debited from the XXXX XXXX XXXX account and transacted to that of Albert. Of which potentially involved to that of hidden fees referant to the use of such stated service. Access had to be subsequently removed from XXXX  XXXX XXXX ; and each illustrated debit referented of association to that of fraud for the purposes of preventing such stated transactions and transactionality. When requested the deletion of such stated account ; such service potentially did not reply under after addresing such with XXXX  XXXX XXXX. Use of 3rd party banking or payroll applications typically defaults to that granting access to that of primary bank accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian was billing me {$14.00} Experian XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. Experian then locked me out of my account. Experian was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from Experian or any similar service.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I disputed this with a XXXX because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I

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 2022-12-20
Company: Experian Information Solutions Inc.
State: DE
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 # 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 explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/XXXX, Ive been unable to get my credit report or score from Equifax and XXXX. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: ERC
State: SC
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:
I do not recognize having any agreement with enhanced recovery and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with enhanced recovery .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a square user. 

I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. 

But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. 

I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX COMENITY BANK/XXXX  XXXX INFORMED ON MY CREDIT REPORT THAT MY ACCOUNT WAS CLOSED FOR 60 DAY NONPAYMENT XX/XX/XXXX I CLOSED THIS ACCOUNT MYSELF. PAID IN FULL. XXXX BASED XXXX XXXX NO LONGER CONDUCTING ONLINE MERH AND TO DESTROY CREDIT CARD. I DID AND RID ALL PAPERWORK. 

ONLINE RESEARCH SHOWS COMENITY BANK PULLING DELETERIOUS ACTIONS ON CREDIT USERS FOR HUNDREDS OF ONLINE MERCH AND RUINING AND ATTEMPTING TO RUIIN PEOPLES CREDIT. 

ALL I GET CLOSE TO IS A REPETITION COMPUTER THRU A SITE CALLED RESOLVER. I CAN NOT GET IN TOUCH WITH XXXX XXXX AS THEY ARE DEFUNCT. I CAN NOT GET IN TOUCH WITH COMENITY BANK/XXXX XXXX BECAUSE THOSE BOOKS ARE CLOSED. SO HOW COULD I HAVE POSSIBLY BEEN GUILTY OF 60 DAY NON PAYMENT 3 YEARS AFTER THEY ALLL FOLDED?

Company response to consumer: Closed with explanation