BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
Good day, thank you for taking the time to solve my complaint. 

On XX/XX/21 I sent a letter inquiring about incorrect and unknown events on my credit report. As i am writing this more than 60 days later, I have not been contacted or received a response. This is extremely frustrating because I have went through the proper channels to report this error in hopes of fixing it but that has failed me. My disputes are being ignored which is intolerable now at this post 60 days mark. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it will soon be almost 90 days to the date of my letter submissions so I am begging that these be deleted immediately. This is having a negative effect on my quest for a new home for me and my children. These accounts need to be promptly deleted or I will immediately file for litigation due to the emotional toll and stress this has caused me and my family during our new home search. I have also been informed that my information was impacted by the Equifax data breach and could be in the hands of the wrong person which is where the unwanted reports on my credit file came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
At this time, I have both non-promotional ( NP ) and promotional ( P ) purchases on this store card. The P purchases are on a six-month promotion which ends XX/XX/2021. I have a few NP purchases, so every month, I pay the NP purchases off and at the same time, pay the minimum due for the P purchases. on XX/XX/XXXX, I spoke with the bank and the rep told me that my NP purchases for my XXXX statement totaled approx. {$75.00}, so I made a payment of {$110.00} which would cover both NP and P purchases. She told me to call back in a few days to make sure the payment was allocated the way I wanted : to NP purchases first, then P purchases. Today I spoke to 1 more phone rep, 1 phone supervisor, and 1 chat rep, all of whom gave me a different answer when I inquired about allocating. The first rep said my NP purchases totaled {$88.00} ; the supervisor said the NP purchases were {$65.00} ; the chat rep said the NP purchases were {$100.00}. Only after asking and re-asking the chat rep did she finally confirm that the NP purchases were {$65.00}. She also confirmed that my payment of {$110.00} was allocated to NP purchases first ( all of the these dollar amounts are approximate and don't include cents ) So, this is a total of FOUR reps who gave me conflicting information. And, there is no way for me to confirm if the payment was allocated correctly because that info is not available when I'm logged into my online account. HELP.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On two separate occasions I've not been able to access my XXXX ( XXXX ) account and on both occasions I have had negative reports plave on my Credit report becuase i am unable to process an payment due to no access to the account. It is nearly impossible to get a timely response from anyone via email and this is XXXX only form of communication. And by the time some repsonse to you the damage is already done and theres a XXXX day lare report on your Credit profile. Right now there are late payments being reported on my account and month after month I'm told by an customer service agent at XXXX that these late payment will be removed from my account. Yet Month after Month I am giving an apology and told it will be taking care of the following month. I would like and demand that these late payments be removed from my Credit Report immediately, for it is damaging my life tremendously and reframing me to move forward and make Financial Increases for me and my family.

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 2019-04-30
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
BMW Financial Services has a charge off on my XXXX, XXXX and XXXX Credit Reports in which this account # XXXX  was included on Bankruptcy Chapter XXXX on XX/XX/XXXX and debt of around {$20000.00} or {$37000.00} dollars was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.

BMW implemented this debt on my XX/XX/XXXX Federal Taxes.

This debt should have been reported to XXXX, XXXX and XXXX and Federal IRS because debt was included on Bankruptcy Chapter XXXX.

BMW Financial Services, XXXX, XXXX  and XXXX are in violations of my XXXX XXXX Civil Rights Act under Department of Justice and Federal and State Laws.

I am XXXX, Retired and a XXXX  Military Veteran.

Also, there is Derogatory Remarks that needs to be removed immediately as I mark Delete on credit reports.

Documents was provided it for evidence on issues.

My credit scores are suffering because of the Derogatory Remarks on my credit Reports..XXXX  score XXXX-XXXX XXXX-XXXX  XXXX my credit was pulled with my written Approval by XXXX XXXX XXXX XXXX on XX/XX/XXXX as I am going through a VA Loan process. VA Loan Consultant XXXX XXXX   -XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
TRANSUNION is reporting a charge-off on my consumer report. That is incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and also the reporting of this account as a debt, is inaccurate. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. TRANSUNION and their inaccurate reporting damaged my livelihood.

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 2021-07-27
Company: EQUIFAX, INC.
State: AL
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/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
THIS IS MY FOURTH OR FIFTH COMPLAINT WITH THIS COMPANY MY INFO HAS BEEN STOLEN AND EQUIFAX REFUSES TO LISTEN TO MY REQUEST. I HAVE SUBMITTED SUPPORTING DOCUMENTATION TO PROVE MY CASE. FTC REPORTS, POLICE REPORTS, IDENTIFICATION, AND THIS COMPANY WILL NOT INVESTIGATE MY SITUATION AND REMOVE THE FRAUDULENT INFORMATION. I SUBMIT THIS DISPUTE YESTERDAY AGAIN FOR THE SAME UNAUTHORIZED INQUIRIES AND MY INVESTIGATION WAS COMPLETED WITHIN AN HOUR. THIS IS INADEQUATE TIME TO INVESTIGATE 15 INQUIRIES, WHAT INVESTIGATION WAS DONE WITHIN 1 HOUR?! THIS IS THE THIS HAS BEEN AFFECTING MY CREDIT WORTHINESS AND MY MENTAL HEALTH IN THE TIME OF A PANDEMIC, I PLAN ON SEEKING LEGAL ADVICE BEYOND THIS POINT, FOR THIS COMPANIES FAILURE TO FOLLOW THE ACTS OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 2021-07-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and XXXX! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.

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 2023-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i reachout numerous times to XXXX XXXX equifax about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Nicholas Financial Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, US BANK DS NORTHEAST add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-04-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018, I was out shopping at my neighborhood mall. I went to various places to spend. Once I got home I looked at my account history to check my balance. To my surprise an ATM withdrawal in the amount of {$300.00} was taken out of my account by an unknown person. The card was in my possession and I have no idea how someone couldve withdrew money. I never use ATMs as theyre unsafe to me. I immediately transferred the rest of my money away from the card and called American Express Serve to notify them of the unauthorized transaction and have them cancel my card. They informed me Im not liable of any fraudulent transaction and my claim would be processed and credited within 10 business days. About 20 days later I received a letter stating that the claim has been denied because it was an atm transaction and i must have authorized it. I HAVE never went to the ATM and I didnt authorize anyone to and no one had access to my card other than me. They told me to write their dispute department explaining this situation. I faxed and mailed their dispute department with no response. I just dont know what to do, i trusted this company for over five years. Now I no longer want to be a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USBank put a freeze on my checking account and did not notify me. I discovered it later after they texted me at XXXX about an upcoming bill due date. All accounts are current. 

Contacted USBank and was transferred by agent who refused to give name : From CustomerService to CreditCard dept. 

Credit card Deparment call 35minutes says It's CustomerService issue ; then they disconnected me. 

Back to CustomerService dept. who after 35 more minutes says it's CreditCard Department 's issue. Then disconnected me again.

CreditCard Department says it's customerService issue and final customer service department says 1. There is no way to create a paper trail for this issue. They will not provide an email address. 2. They said they will have a Supervisor call me in 24-48 hours. It's now been 5 days and no one has called. I've experienced this dissimulation before with USBank. There never was any problem with the account. Their systems are errant and they do not take accountability. USBank regularly disconnects calls and misrepresents issues to customers. Far too many times, I have felt in the position of having to train USBank representatives. This is really poor service from a National bank that should do much better. I checked their reviews on XXXX and was horrified to see USBank has overall score of 1.3 out of 5 for 700 confirmed reviews. I hope ConsumerFinance performs some sort of customer service & quality control auditing for this 'bank '. They charged an overdraft fee and late finance charges & wasted nearly 3 hours of my time on the phone. This is my history with USBank, for which I've been a customer for at least 20 years. Thank you.

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 2021-07-27
Company: CNG FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Amsher Collection Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation