BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : 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 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 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 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 

that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX, Ive already included this in my previous Complaint & I am including it again.,

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 2023-07-26
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 belongs to someone else

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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-01-15
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a property in XXXX and financed it with XXXX XXXX, which uses The Money Source for handling the mortgage payments. 
My first payment was due on XX/XX/2020, and I decided to pay in advance ( XX/XX/2020 ) like I typically do. On XX/XX/2020 I received a letter informing that my mortgage was being transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX and that any payments made would be transferred to them within 60 days. 
I have been in contact with The Money Source representatives and supervisors since mid XXXX and I still can not get an answer about where my funds are and when they will be transferred. 
XXXX XXXX, the new service provider, keeps calling me every single day asking about the XXXX payment. With my 60 day protection expiring this weekend, I'm afraid I will start getting late fees and my credit score will be impacted. 
The Money Source is not getting back to me with a solid answer and it seems like no one there knows what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: VA
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 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 2022-10-13
Company: Bread Financial Holdings, Inc.
State: PA
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:
Comenity Bank ( Bread Financial ) has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount. 

I have not heard back from this company in regards to my request. 

This company has failed to get back to me within the 31 day period, so they are already in violation. 

This company has sent me letters threatening to sue me for this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX office of Customer Advocat XXXX HAS RECIVIED ( XX/XX/2023 ) MY WRITTEN NOTICE OF OPT OUT. 
HERE IS PROOF. I WOULD LIKE XXXX TO STOP REPORTING ON CREDIT FILE. ASAP

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 2023-09-11
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns home plus has called me 21 times in two days. They have Emailed me and sent me text messages as well. This is a clear violation of the 7 in 7 rule. A creditor can not contact an account holder no more that 7 times in 7 days between the hours of XXXX and XXXX. I am aware of what I owe and efforts are being made to catch up missed payments but harassment will not be tolerated. The calls must stop or I will be forced to seek legal counsel and pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
The loan was paid in full in 2021 and my credit report is reflecting it as negative and closed which is inaccurate it was in good standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: DC
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: Didn't receive services that were advertised

Complaint:
My company had a PII leak so they provided us with Equifax XXXX XXXX for two years. I attempted to activate it with Equifax starting in XXXX and I was barred from creating an online account and directed towards customers service. Since XXXX, I have called XXXX  of 15 times to rectify the situation. I have verified my PII with Equifax and was able to receive my credit report, but still am unable to create an online account to activate the product my company purchased form them for me to use. Each time I call they say they need to fix information on their end and will send me an email ( with no timeline or follow up ). Its been 3 weeks since my last call and I have yet to receive any communication, so that is wasted money from my company. I am still unable to create a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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 reach out, mailed, called FED-retail along with the Credit bureaus ( Experian XXXX XXXX XXXX ) to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see. 
15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.

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 2023-08-21
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act 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

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance Transunion {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed Transunion {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per Transunion and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.

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 2022-04-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. 

Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on my credit report.

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 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I had a account with Bank of America and I started getting tons of charges from online gambling site that I used a long time ago. I notified the gambling site that the charges weren't made by me or my account with them but was ignored so I went to BOFA for help showed them the evidence and they temporarily credited me back. But then all of a sudden took all my money again. And wouldn't even tell me what they found in the investigation all. I told them and showed them the proof that there were many people who experienced the same thing as i did from the XXXX website. And that the account charging me wasn't even in my name or in my country. To add to that I was getting charges from XXXX XXXX also unauthorized got the same bs again. They ignored me and that's how I lost thousands of dollars.

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 2021-06-13
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
I signed up for an American Express XXXX XXXX but can not access the points I have accrued. They are listed on my account page as available and when I call in they say they can be used, but when I try to transfer them there is a hold on them. 

I am trying to purchase an airline ticket ASAP using the points but can not because of this hold. I have called the company several times, been placed on multiple holds, but nobody can tell me what the hold is about nor allow me to use my points, which of course I have earned by meeting the spending requirements and paying the sizable yearly fee. 

Amex should immediately allow me to use my points per the terms of my agreement and add at least an additional XXXX points to my account because I can not use the points that I need to use to book a ticket in a time sensitive manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2022-10-13
Company: EQUIFAX, INC.
State: GA
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 reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX Equifax XXXX XXXX XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.

Company response to consumer: Closed with explanation