BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: MO
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:
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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : 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
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My paypal account offered me a targeted credit card offer for 3 % cashback with a {$150.00} sign up bonus if {$500.00} is spent in first 90 days. Offer expired on the XXXX of XXXX. On the XXXX of XXXX I went on my paypal account to take advantage of the offer mentioned above and it was changed. I now have an offer to apply but the 3 % cashback and {$150.00} sign up bonus has been removed from the offer.

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 2020-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied and was approved for a new Citi ThankYou Premier card. As part of the signup terms, I was offered XXXX Citi ThankYou points after spending {$4000.00} within the first three months of account opening. The terms clearly stated that " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' After quickly meeting the minimum spend requirement, I patiently waited for the XXXX ThankYou points to post to my account. However, after not receiving anything for several months, I reached out to Citi on XX/XX/XXXX to inquire about the points. I was advised that I did not qualify for the XXXX points offer because I had opened an account in the last 24 months. 

While it is true that I opened up a new Citi Rewards+ card through a product conversion, no new cardmember bonus was received for this card. Accordingly, because I did not close any Citi ThankYou accounts in the past 24 months and because I did not receive any new cardmember bonus in the past 24 months, I was still eligible for this offer. 

After escalating this issue via phone, and explaining how I clearly qualified based on the terms, I was told that my issue would be escalated and that I would hear back in 5-7 business days. I just received a letter in the mail today that special offers aren't available when an existing account in the same product has been " approved or closed '' within 24 months. 

This letter, while I imagine not with deceitful intent, completely misrepresents the terms of the signup offer which state that you are eligible as long as you have not received a bonus or closed a card. The terms on the website do not say that this also applies to account openings for which no bonus is received. A screenshot of the offer terms is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method. 

XXXX XXXX XXXX  XXXX  Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2021-07-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a letter notifying me that I needed to show proof of hazard insurance ( please note this is the second time, Shellpoint did this to me in XXXX too ) ; so on XXXX I uploaded the doc to their site as well as emailing it to their general document email address ; received confirmation that it went through. XX/XX/XXXX received a second letter threatening to charge me unless I show proof of hazard insurance ; so I faxed the company and I called and spoke to a rep who told me that they have my paperwork it just had not been processed yet ( a month??!! ) ; so were good then and she confirmed with me over the phone we were good. Today ( XXXX ) I receive a third letter dated XX/XX/XXXX stating that they are charging me over {$1700.00} for hazard insurance!!! I am so angry with this company I do not want them to be my mortgage company they are absolutely horrible and have caused me so much stress having to deal with this ... .it is their job to contact my HOA to get this information I should not have to be doing their job!! All the other companies prior to them always took care of this

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EdFinancial Services
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2023 submitted an IDR plan application and never heard back. I have called nearly every day since XX/XX/XXXX to be met with estimated wait times ranging from XXXX to over XXXX minutes, have left a callback request and received a callback 3 times ... of those 3 times, 2 of them rang once and when I answered the caller hung up... The one agent who I did speak with, XXXX, she said she didn't see an application had been submitted though I confirmed it had been sent on FSA website... My other 2 servicers have already processed the request... I tried emailing as well but no response... I tried uploading the application and tax info and in the documents tab showing what I've uploaded only the tax info was there but only for 5 days, then it disappeared... I tried uploading the application again with the same result ... According to the agent J spoke with it should only take 24 to 48 hours to trigger a reply once documents are uploaded but here we are a month later and no response... Meanwhile, I have forked over one paycheck as of XX/XX/2023 to avoid default since I have a perfect payment record for almost 10 years including making payments during the pandemic pause which is the equivalent of 10 monthly payments under last year 's IDR plan ... I need some help from them since I received a billing reminder for next month that I can't make and will wipe out 10 years of on time payment...

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
Gm account went into charge off in XXXX and the account should have been closed that year. instead they closed account on XX/XX/XXXX .and there was no activity on the account for 4 years. all of sudden XXXX Gm reported 30 days late on my credit report for 56 months to present, which is wrong. 
the account in now payed and i have a 1099-c .and GM now change my credit report to 56 charge offs every month .which once again is wrong. 
this account should have been closed in XXXX with the charge off even with account closed and payed GM still uo to XX/XX/XXXX reported on my credit report negetive info. 
Gm account # XXXX. i would like this account cleared up pay and close from XXXX and 55 of teh charge offs removed starting from XXXXXXXX .thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CT
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 XXXXXXXX has violated my rights. 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 2022-10-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my ANOTHER 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 XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MI
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:
The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the XXXX data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.

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 2023-01-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wages have been garnished from a public case dated XX/XX/XXXX without my knowledge. 

After moving from an address, another entity took the creditors catalog ( XXXX ) and used my account to order massive products. When I received the bills I disputed them immediately. They were done by someone with a different name than mine. 

A fraud alert was filed with XXXX XXXX on XX/XX/XXXX. 

The creditor did not address this alert. Instead they sued me in XXXX XXXX I lived in. At the time, I was under complete duress with a still born child and a parent in hospice. 

My options for resolution were never disclosed. 

The account was purchased by Midland Credit Management. 

The creditor has now since garnished my wages without me receiving any paperwork to the effect. 

I have contacted Midland Credit Management for this alarming issue and was advised to start an appeal. They did confirm they sent the paperwork to an old address. 

My current address was provided to them. 

How can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It's been XXXX  days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.

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 2023-01-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received

Company response to consumer: Closed with explanation