BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no  longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a mortgage loan with Wells Fargo from XXXX to at least XXXX. In my divorce settlement It was in writing that my ex was not entitled to sign the house over into his name until he got the mortgage loan transferred to his name. This never happened yet every time he was late on payments, it destroyed MY credit. Somehow he was able to transfer the title to the house without my permission or signature and then it was foreclosed without my knowledge. According to my divorce decree- I was no longer liable for payment but he managed to get it transferred, and foreclosed on, all without my knowledge yet somehow I was the only one whos credit was destroyed. No one from Wells Fargo ever tried to contact me or send me any correspondence. 
Also my phone number now is 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 2023-02-24
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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: Old information reappears or never goes away

Complaint:
This claim is towards Experian ; XXXX. XXXX XXXX, XXXX, TX XXXX. I have tried multiple times contacting Experian that the account XXXX XXXX XXXX is due to be deleted from my account XXXX XXXX, They " Blocked '' me from disputing this account online saying that they were n't going to review it again when " CLEARLY '' they are in the WRONG!! They should not block customers from disputing items especially when they do n't " SHOW '' any " PROOF '' of their findings. They are so " QUICK '' to say that the account is " VERIFIED '' but they refuse to show you how the account was verified. That action in itself is " POOR '' business. According to a credit  report that I have from them it says the account is due to come off XXXX XXXX. The other two credit bureaus XXXX XXXX XXXX XXXX XXXX have already deleted the account but Experian refuses to.

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 2023-09-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have not given consent to have my information published.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-08-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I alerted Equifax to the presence of incorrect information ( addresses ) on my credit report. The incorrect information is still present on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a phone call from XXXX XXXX at Kinum Incorporated today. After advising that I never received any letter from them & the piece of equipment ( saxophone ) they want me to pay {$1000.00} for was a rental that was returned last year. 

He stated I didnt have a choice and that I had to pay it anyways, he began stating birthdates/ socials/ children and even employer information. The call was hostile from the start. In addition when I tried to ask for the contract information to be sent ( validation of debt ) he spoke over me and then hung up. 

I am requesting this company provide validation of debt through the CFPB and seize all contact via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On all   XXXX   credit reports, ( and this is the second time this has happened to me  ), I am car shopping and they are only supposed to  run it through a maximum of  XXXX  companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.  XXXX   XXXX  this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  F there should be a max of  XXXX  on there. I allowed  XXXX  from  XXXX ,  XXXX  from  XXXX   XXXX  and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2017-05-09
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: Investigation took more than 30 days

Complaint:
I have written to the  XXXX  credit reporting agencies also   XXXX   XXXX   about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them

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 2017-05-09
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: Investigation took more than 30 days

Complaint:
I have written to the  XXXX  credit reporting agencies also  XXXX    XXXX    about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: PA
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:
I did not authorize XXXX to run my credit, this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 
1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 
2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 

3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 
4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. 
I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. 

According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} XX/XX/XXXXXXXX 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 2023-05-01
Company: EDvantage LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the time of enrollment I was guided by one of their financial associates on how to pay for the remaining cost of tuition. This was XX/XX/XXXX. I was apprehensive about this near XXXX loan. The financial advisor of XXXX XXXX XXXX XXXX XXXX explicitly said that I could recieve a loan without a cosigner from one of their partners and you can pay it back after you compete the program, it will just grow interest. I chose to go with Tuition Options. So by XXXX, I am wondering where the money went, because I don't have it and XXXX doesnt have it. I begin to ask around and make sure to get all future conversations through text message and email. Because By XXXX I started to face threats that I would be dropped if I daont pay their loan back. It does notadd up. I believe XXXX and XXXX are using XXXX  XXXX to open fraudulant loan accounts in order to get students to pay way more money than they need to. No loan, Yet I am supposed to pay a loan back while I am in school full time! I ended up having to begg my parents for the money to not get dropped from the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: MoneyLion Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit builder loan from MoneyLion. On their website it states that no credit is required and this will not affect your credit however it resulted in a hard inquiry which lowered my score. I took a screen shot of their website as proof. I just want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.

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 2023-05-28
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got an email from Venmo today XX/XX/2023, titled, Apply for our card with no impact to your credit score if declined. Now I work for one of the largest banks in the world as a regulatory risk consultant so I was intrigued because if you are declined for a credit card there is really no possible way to prevent that from potentially impacting a credit score. Its impossible. So I open the email to see, maybe its not really a credit card? It is, and in very very very fine print at the bottom it says, Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score. Okay so the title says no impact if declined, only to in very small letters say the opposite. Its very misleading. This is a clear violation of the Unfair, Deceptive, or Abusive Practices Act, and a violation of truth in marketing. The damage occurred as soon as you apply and have a hard inquiry, but if you are declined you have nothing to show for it and it could make it harder to apply somewhere else and can affect the pricing from underwriters. Please do something about this awful campaign immediately, so many people will be deceived, and its such a blatant trick.

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