BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: OH
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 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 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-01-27
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a secured credit card with First Progress ( partner with Synovus ). Prior to this month, I had always used bill pay through my bank XXXX XXXX, because when I opened the account they had no way to pay it on their website. I went in to pay my bill ( which is paid in full every month ) on XX/XX/XXXX and saw that it could now be paid on their website which I did. On XX/XX/XXXX the payment of {$330.00} cleared my checking account. ( XX/XX/XXXX FIRST PROGRESS PAYMENT XXXX XXXX XXXX XXXX {$330.00} ). I went out of town on XX/XX/XXXX and attempted to use my card on XX/XX/XXXX since the payment had cleared my bank and showed a payment on my credit card statement. When I opened the account I had deposited {$350.00} to use against the card attempting to establish credit history. When I attempted to use my card it was declined, I went in that evening and saw my balance was " XXXX '' and only a small amount was available ( the diff in {$350.00} and what I had paid off {$330.00} ). I called and was told that when you make a payment on their site they put a 10 day hold on the money even though it had cleared my bank and was sitting in their account for 3 days, They said it would not be available until XX/XX/XXXX. I was never told this practice by them, as when I opened it payment was not available on their website, He said it was in the paperwork- not in the paperwork I got when I opened the account because it wasn't an option. He said if I had used bill pay it would be available. The money came out of my account on XX/XX/XXXX and shows a credit on my account as of XX/XX/XXXX as being paid. I would like to know how legal this is and why they will not release it prior to XX/XX/XXXX. He was very rude and was supposedly a " supervisor ''. I contacted Synovus and she put me thru to this person, I also sent Synovus a message on their XXXX page and they replied stating they would contact me shortly, but 6 hours later I have no call. I do plan to close this account shortly and I do expect my entire {$350.00} be returned to me expeditiously, not 10-14 days later, I hope that you can address this problem and see that no other people go through this with these fly by night companies holding peoples ' money " hostage ''. That is MY money and they are sitting there collecting interest on it and refuse to let me use it, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XXXX XXXX  and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: HI
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:
Experian report Number # XXXX XX/XX/2023. My XXXX late payment was remove because I mail in proof and uploaded proof it was never late.

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 2022-07-12
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX as well as Unauthorized Inquiries they said is XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My TransUnion And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because OfXX/XX/XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..

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 2018-11-28
Company: Experian Information Solutions Inc.
State: IN
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:
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX  ). A credit report inquiry by XXXX revealed XXXXne derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have made several attempts to pay my car note online through the online portal and I get a message that states that I have to call in to speak with customer service. When I call in the phone will hang up each time, so therefore I am not able to reach anyone to talk about my loan or pay it nor I can pay it online as my access to the online portal has been denied. I have questions in regard to my account but not able to reach anyone.

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 2022-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Submitted international wire transfer to XXXX on XX/XX/XXXX, bank set deadline no later than XX/XX/XXXX, obviously not received anything by that date. Called bank back and found out, all funds going to XXXX has to go through extra review process by XXXX, which has no timeline whatsoever, so ive decided to cancel transaction, and since then XXXX just holding my money ( routine review process ) even though money not going anywhere, multiple requests to expedite and release funds have been submitted by my bank, and 0 response received whatsoever, XXXX totally unreachable and apparently can keep reviewing my money for years if they want to. Almost 90 days already past of reviewing money which is not going anywhere, absolutely ridiculous and all I'm trying to do is get my money back so i can pay rent and bring food to the table.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Mr XXXX XXXX XXXX REQUIRES AN IMMEDIATE INVESTIGATION OF FRAUDULENT ACTIVITY ON A USAA VISA CREDIT CARD ACCOUNT XXXX CREDIT REPORT IN THE NAME : XXXX XXXX XXXX ILLEGAL DATE : XX/XX/XXXX FRAUD ILLEGAL HIGH BALANCE {$350.00} FRAUD ILLTHEGAL CLOSING DATE : XX/XX/XXXX MR XXXX REQUIRES WITHOT FAIL A CRIMINAL INVESTIGATION IMMEDIATLY ON A CRIME OF STEALING MY PERSONAL INFORMATION THIS IS AN ISSUE THAT WAS FIRST REPORTED ON XX/XX/XXXX AND THE CLAIMANT DEMANDS AN FBI INVESTIGATION ON XX/XX/XXXX INVESTIGATE WITH IMPUNITY ALL CRIMINAL ACTIVITY BY CONTACTING USAA MEMBER ADVOCACY XXXX XXXX ( XXXX ) XXXX EXTENSION # XXXX IMMEDIATLY TO BEGIN A CRIMINAl INVESTIGATION IN COOPERATION WITH THE SECRET SERVICE AND FBI ( XXXX XXXX TX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called IC System Inc on XXXX 2021 and asked for a debt validation and verification letter about a collection that they put on my credit report this XX/XX/2021 acct # XXXX for the amount of {$580.00} which was a medical bill dated back on XX/XX/XXXX.she informed me that they didn't provide any such letter i just mentioned above and i had to talk to the original creditor which is XXXX XXXX XXXX XXXX i called them and they said it was out of their hand and the account was closed which lead me right back from where a started from didn't get any resolve or satisfaction to this matter .this medical bill is to old to be on my credit report and Georgia statue of limitation of 4 years already expired have tried to dispute this with several credit bureaus but IC system keep verifying this account as legit and correct when i know is not please help I need this collection report off 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 2023-02-05
Company: EQUIFAX, 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:
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 XX/XX/XXXX I called Experian Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is six years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the Loan. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from Experian the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. Experian continue to say the Creditor is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information attached.

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-24
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has an incorrect birthdate on file for me. When I tried to correct the issue they just kept pushing their debit card application rather than fixing my information. They told me I passed their verification process so there was nothing anyone could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have sent a letter on XX/XX/2022 to Transunion Consumer Solutions, XXXX and XXXX XXXX XXXX XXXX asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.

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 2022-05-31
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account on my credit report labeled Covington Credit. I have disputed this charge and have attempted to work with this agency to have this and all late fees associated removed from my credit report. Covington Credit could not provide me with any documentation or signature that I was responsible for this loan, nor do I have any knowledge of this loan. Could you please assist?

Company response to consumer: Closed with explanation