BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Some time around XX/XX/XXXX. I purchased internet service from XXXX XXXX XXXX. They did not send all the pieces required for my modem to work. So I wasnt able to use my internet for the first week of purchase. I called and complaind about not receiving all the pieces for my modem. The XXXX XXXX XXXX agent told me clearly, since Im a first time customer and I didnt not receive everything in my box for my modem to work, its on them to send out a technician with that missing piece and to make sure my service start working. Its a self install kit so I didnt require a technician. The XXXX XXXX XXXX agent told me in this case I wouldnt have to pay for the technician. I ask her a couple times because I know the call is being recorded. But when I get my bill they trying to charge {$100.00} for technician. I thought I was deceived so I decided not to pay. I keep calling for weeks to get a manager to review my call because I was misinformed. So far to no avail. The next thing I know 2 weeks ago XX/XX/XXXX XXXX XXXX XXXX  hit my credit report for {$330.00}, for what, I dont know because I returned their modem. I was misinformed by the XXXX XXXX XXXX agent and I think its very unfair to pay for their incompetence. I did not ask for a technician, they decided to send me one. Please help me get this situation resolved ASAP. Its 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 2020-07-31
Company: Experian Information Solutions Inc.
State: GA
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$460.00} XXXX  XXXX {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions 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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested my Clarity Consumer Report and file and received the file in XX/XX/2021. 
I wrote a letter to dispute the consumer report mailed XX/XX/2021 as it had inaccurate information and violated my privacy. I received a letter dated XX/XX/2021 in response to my dispute saying that the information was deleted or corrected and a revised copy of my credit report was enclosed. the only enclosure was the Alabama Code, summary of my rights, and remedy for identity theft which lead me to believe that the report was deleted in its entirety. On XX/XX/2021 I receive another letter saying that the information was deleted or updated and that no action was taken on my disputed accounts because it was determined to be frivolous and that i clearly needed to identify why the information in my file was inaccurate. My file was attached to this letter unchanged along with the previously listed attachments. I never gave Clarity Services my express written permission to share my personal information or banking information. the information contained in this report violates 15 USC1681b, as well as 12 USC 3403 just to name a few.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. 
Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info 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 explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: MO
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:
I do not recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions 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, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, XXXX and Transunion. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. 


I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.

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: RIA FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$1200.00} to my aunt today XX/XX/22. I transferred it through XXXX with expectations of it being delivered within the hour. The service charge was {$16.00}. My aunt called and stated that they would not release the funds until I contacted the servicer : RIA Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX. 

When I contacted RIA, I was told it was under review. WHY are funds that were sent from Nevada to My Aunt in Idaho under review when cash money was paid to be transferred. There is no notification of cash funds being reviewed on any of my receipts. 

The Reference number on this transaction : XXXX. 
The receipt states " Date Available for Recipient XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday/installment loan from XXXX XXXX XXXX around XX/XX/2018 in the amount of {$500.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. As of todays date ; I have made the following bi-weekly payments of {$100.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- totaling more than {$860.00} being paid for an initial loan of {$500.00}. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account and interest will be accumulating on a daily basis. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter XXXX of Title XXXX of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: OH
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 2021-06-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute with Discover for the amount of {$2100.00} for an XXXX XXXX purchase that was never refunded.I ordered two bags and decided to return them both I called XXXX initiated the return process they sent me two return labels I packaged both items in each label and returned both same day the label was given which was XX/XX/2021 and was given proof of drop of by XXXX Both items were successfully delivered on XX/XX/2021 and XXXX only refunded one item on XX/XX/2021 when they were both dropped off the same day and delivered the same day so I called XXXX and they said they didnt receive one of my returns so I filed a chargeback with discover after trying several times to obtain a refund from XXXX. I have sent over proof to discover and yet they still dont do anything about it and favor on XXXX side stating how are they so sure those labels belong to XXXX and if they if they accepted my return, when those labels were given by XXXX and shows both tracking numbers being delivered I sent them all the proof they can possibly need which includes a proof of drop off receipt given by XXXX, proof of labels being given by XXXX via email, proof of delivery to XXXX warehouse that shows the address date time that also included signature by an XXXX employee accepting they received the package all the dates and times are on the proof and screens shots of conversations Ive had with XXXX, I have tried speaking to a manager at discover and theyre never available I have delivered my items and Discover still doesnt favor in my side after presenting strong evidence of me successfully dropping off packages and packages being delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
WHERE DID YOU GET THIS LIMIT FROM?????? IT'S NOT CORRECT!!!! WHY ARE YOU CONSTANTLY CHANGING INFORMATION ON MY CLOSED ACCOUNTS?????? AREN'T YOU IN ENOUGH TROUBLE FOR XXXX UP BACKGROUND CHECKS WITH THE CFPB AND FTC????!!!!! YOU'D THINK YOU'D MAKE MORE OF AN EFFORT TO DO THINGS RIGHT!!!!!

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

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. 

Account name : # 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 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. 


I have called and spoken with customer service of XXXX, and I have filed disputes with XXXX, XXXX, and Transunion with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX. 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXX accounts. I have tried to rectify this over the past 60 days.

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 2023-10-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

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