BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-10-15
Company: EQUIFAX, INC.
State: MD
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CA
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:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Bankruptcy account was closed and paid still showing open, please remove

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 2019-09-26
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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.

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 2019-12-12
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Behind on Loan 3 months. My Father has a hardship of health problems. He had XXXX XXXX XXXX this past XX/XX/2019. Was in the Hospital for 1 month he could no longer work. My Parents receive XXXX dlls in SS income my Brother that is a XXXX. in XXXX Idaho helps with XXXX dlls per month. The Loan is with Planet Home lending. Called Bank asked them to help with the late payments of the loan to make them current. They have denied help and wont take to consideration my Brothers XXXX dlls help each month. The reason he dose not live at the property. He dose visit them every weekend. Please help this is the first time my perants are asking for help. They do not want to loos there home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAINE & WEINER COMPANY, 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: Was not notified of investigation status or results

Complaint:
Caine & Weiner made a report to my credit report without notice to me first once again without allowing me to dispute the charge prior to it being reported to my credit report. This is not the first time they have done this, as there have been times before where they negatively reported to my credit without proper notice and then notified me afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went through the XXXX XXXX XXXX XXXX, financed through CitizensOne, using the retailed XXXX, and I was supposed to receive this item on Thursday, XX/XX/XXXX. I did not receive the items or an email explaining what was happening from CitizensOne, XXXX, or XXXX. 

I then checked my credit limit with CitizensOnes. It went from {$1900.00} available to {$2500.00} available on the 1st. I emailed several times to see what was happening and if XXXX cancelled me order. Again no answer. Now my line of credit took a hard inquiry for this and I can not cancel because XXXX XXXX XXXX  will only do returns. CitizensOne wont cancel because they see no order. 

I am not the only one encountering these issues. See XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX I have received no communication from CitizensOne despite multiple attempts to contact them. I have received not a single update from CitizensOne since the order was placed on XX/XX/XXXX. The Estimated Arrives By date for my order still states XX/XX/2021. Every service I attempt to contact points me to a different service saying they can not assist, and I am incredibly frustrated with all of it. CitizensOne placed a hard inquiry on my credit report that has proven to do nothing for me as I was not even given the product that the hard inquiry was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: DISCOVER BANK
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 am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am consumer, alleged obligor, natural person and original creditor, as originator of consumer credit transaction lent Discover my accounts payable social security credit card number as cardholder and card issuer to accounts receivable secured consumer credit application and received access device Discover card. I as a natural person possessing an open-end credit plan was injured by Discover. 
Discover was directed to cease collection efforts and communication with third persons in honor of my right of privacy and confidentiality per 42 USC 408a ( 8 ). Discover took adverse action and closed my account without my consent unfairly. cardmember agreement specifies it is subject to governing law of federal regulation for which the right invoked was exercised in good faith. Discover despite forfeiting its right to collect for the adverse action take continues to deliberate report personal information to third persons without my consent. I have advise third persons that I revoke the right to report from Discover and for them to honor my right of privacy. XXXX XXXX  has complied. All others have sided with the furnisher regarding my consumer information alleging that the debt is verified in violation of 15 USC 1692b ( 2 ). Discover is now civilly liable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX Acct XXXX  XXXX, Acct # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 2021-07-02
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed my Amazon store card on XXXX per " management '' because of two failed payments. I was able to locate one payment that failed ( bank error ) but not the first one. When I requested this information over the phone the representative told me " It's not our problem, your account is closed. '' and immediately hung up on me after I waited 40 minutes on hold. I have made consistent, on-time, payments to Synchrony. Sometimes real life happens and mistakes happen. But according to Synchrony, that's unacceptable. Now as a result I am going to take a credit hit due to the " Closed by grantor ''. Thank you Synchrony. If my credit file is negatively impacted, I will be closing all of my accounts with this fraudulent bank. I also received NO warning that my account was being closed.

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 2021-07-02
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. 

Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. 

My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. 

This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX  - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same

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 2022-11-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S. C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 2021-07-02
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to State Collection Services Inc. at beginning of XX/XX/2021. State Collection Services IncXXXX failed to validate my debt. Instead on XX/XX/2021 they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never sign a HIPPA Form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have tried on NUMEROUS occasions to get Capital One to give me a credit line increase. My credit limit is still {$500.00}, the same since I got the card. I have a very good credit score, and XXXX XXXX who's card I got after Capital One ) has given me a {$7500.00} credit limit and regularly approves increases. 

Capital One sends an automated letter stating " recent use has been too low ''. I pay all my bills early or on time, and this is a lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX # XXXX - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same

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