BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Synovus Bank
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I Applied For A Loan At Synovus in XXXX 2022. got approved for the loan!!! Have made all my on time payments on this account. Contacted Synovus to make my XXXX payment on XXXX the XXXX, was informed I couldn't make a payment because for no reason my account was locked and put under a review on XX/XX/2022. However I made a loan payment and spoke to several representatives on XXXX the XXXX 2022 which is after the date they're saying the account is locked!!! They Accepted the payment!!! Now as a consumer I have rights this bank deliberately violated my rights by one not notifying me the account was locked or under review!!! By locking my account closing access to my money without any clear deductive reasoning!!!! Now I can't make payments on the loan which im afraid they are deliberately wanting to damage my credit score and report!! also theyre stopping my business endeavors from moving forward which is the reason I got the loan so I could responsibly pay them back!!! Ive called several representatives that said I couldn't get any answers on my account!!! I spoke to supervisor whose name is XXXX, & they've been uncooperative in giving me any answers as to why & or how long its under review!! As a consumer I demand my account be unlocked because I've done nothing wrong and theyre are deliberately violating my rights and then because its a federal institution she's saying there's no way I can get any answers!!! As A consumer I demand my account be unlocked immediately so I can move forward with my endeavors!!! Especially seeing that ive done no wrong on the account since becoming a customer of the institution!! As a consumer I have rights there's no way this Is acceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian and XXXX credit bureaus. 
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX and 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 2021-03-16
Company: Designed Receivable Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable with a debt with XXXX XXXX XXXX billing. I do not have any contract with Designed Receivable. This is an invasion of my privacy and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo paid off my mortgage and Wells Fargo refuse to give me my deed. Paid off in XXXX for XXXX at the 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 2023-02-07
Company: EQUIFAX, INC.
State: PA
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 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 explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

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 2021-02-14
Company: EQUIFAX, INC.
State: VA
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:
on XX/XX/2021, I attempted to get my free credit report from Equifax using XXXX. As soon as I'm redirected to XXXX, I get a browser error ( ERR_CONNECTION_RESET ). I tried with a different browser and it didn't work there either. ( XXXX and XXXX ) In general, even when the Equifax website does work, I get an error after doing the identity verification, where it says the Online Delivery is unavailable. I then have to request the report via phone, which is an annoying process. 

Also, oftentimes, when I select multiple agencies on XXXX, the session times out before I can get all my reports. This requires starting over and filling out the form again, which is very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is a car company that I financed through called XXXX XXXX XXXX. To make a long story short, the car was repossessed. Shortly after I received a letter from XXXX stating the balance that I owed on the vehicle. It was strange because the letter didn't show when the vehicle was sold, what date, etc. It just had the debt that was allegedly owed. So I requested that XXXX XXXX show proof that the debt is valid by sending me the invoice of resale for the vehicle. According to XXXX  law, they have to sell the repossessed vehicle in a commercially reasonable manner. XXXX refused to send me the proof. I disputed this with all three credit bureaus. XXXX  and XXXX  removed XXXX from my report but Experian continues to report the debt inspite of my numerous disputes. Experian is now at this minute reporting that I have 38 charge-offs with XXXX XXXX XXXX. They are even reporting that I owe XXXX over XXXX more than what I paid originally for the vehicle. This is obviously inaccurate because I made payments before the repossession and they " allegedly '' sold the vehicle. So my balance wouldn't be higher. Experian is also refusing me the opportunity to dispute online claiming it is for security reasons. I dispute items online all the time with all three bureaus and never had a problem before. A year ago when I talked to a representative concerning my dispute, he refused to put my information in verbatim. He was asking me questions so he could re-word my answer. As a result my dispute was not resolved. Just recently I reported that an account by XXXX XXXX for consumer energy was paid and Experian still reported it as a debt. Bottom line this company is not doing there due diligence to investigate these claims. I believe they simply tossing a coin to waste time and then reporting it's accurate. This type of negligence should be investigated and it will not tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, regarding 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 2023-10-06
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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

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 2021-02-14
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They're saying I owe XXXX when I don't. I fulfilled my contract and never renewed. Called and cancelled three weeks early. No one said a word about me owing anything. Credence started calling and I told them I fulfilled my contract. Also told them they can not produce any contract I have signed digitally or otherwise. He said they would put it's under dispute. Month later calls me back and same thing. Said he'd put under dispute again. Another month they start calling again.Never produced a contract or copy. Stopped answering after looking up credence and seeing their several complaints. Now they put an illegitimate debt on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The hard inquiries detailed below are a violation of my rights, since they were done without my consent, I sent a letter of good will requesting that this incorrect information be removed and without my authorization from my credit report. to which they refused. 
XXXX inquiry from XX/XX/XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXXXXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} 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 2023-06-12
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 told Experian, XXXX and XXXX to investigate this account XXXX  XXXX XXXX Date opened XX/XX/2013 however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.

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 2021-02-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
When I make my XXXX  XXXX XXXX XXXXXXXX  Utility Payment through XXXX Western Union Authorized Payment Recipient my payment registers one-cent short which entitles XXXX  XXXX XXXX XXXX to log me in their records as paying late. This not only affect my payment with XXXX but with the Credit Bureaus. The answer I receive from Western Union is that there is nothing they can do to correct the problem. The answer I receive from XXXX is to pay more so that I will have a standing CREDIT BALANCE to cover the Monthly one-cent not being accepted at correctly at their Authorized payment recipient Western Union please this has happened on various occasions the latest two being XX/XX/2021 and today XX/XX/2021. The clerk @ the XXXX Western Union pay station was nice enough to provide SCREEN-SHOTS to various that the correct amount were being entered into Western Union System but not on the actual payment Invoice Receipts given to me. I can be reached at ( XXXX XXXX XXXX cell or ( XXXX XXXX XXXX landline. Im giving You authorization to leave messages at either or both numbers listed above. Your attention to this matter will be graciously appreciated. At this very moment I have been holding after being placed on hold by the West Union XXXX XXXX for over 91-minutes I would like BOTH Western Union and XXXX XXXX XXXX XXXX  to receive any documentations you forward to Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PNC Bank N.A.
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting Agency if the person knows or has reasonable calls 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