BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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:
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  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-02
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-04-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; Equifax XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at Equifax as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX Balance : {$1800.00} XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/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 2023-11-23
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been fighting XXXX and Mohela since early XXXX. I submitted proof that I was eligible for loan forgiveness due to false certification. I do not have a XXXX XXXX XXXX XXXX thus I never legally qualified for classes at University of XXXX. I submitted my proof 3 times over the last 3 years, each time waiting 90 days before reaching out to learn the status of my results. Each time i was told to re submit my paperwork as it must have gotten lost. On XXXX XXXX XXXX I received a letter from Student Aid ( See attached ) stating that they would Remove the loan from my credit and refund any loan payments. A month later I called to check status, they were quite rude and told me to call Mohela. So I did. On XX/XX/XXXX I received a letter from Mohela stating that they are processing my request. I feel they are not taking my needs seriously. It couldn't be that difficult to log in and remove the account from my credit profile. Since my battle began in early XXXX i feel this is long overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: LendingPoint Holdings LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Today XX/XX/2023, I called the lender to refinance and ask for assistance since my employer has stopped paying me. While my attorneys are working with my employer, XXXXXXXX XXXX  to reinstate my pay, I indicated to the lender that I have been a loyal customer for 5 years and asked them to hold off any future payments or refinance, especially since the current loan I have with them has an 18.5 % interest rate and I paid a {$2000.00} fee plus similar for another loan. With the status of the economy and layoffs, I asked for sympathy and compassion. They have been wonderful to me in the past and very helpful. Today, I experienced pure hate and immediate dismissal from their customer service, refinance & credit departments. I indicated that I may have to default if my wages do not get reinstated. I also indicated that I was going to report them to your Agency. They laughed and hang up on me. Zero compassion. No assistance. After almost {$20000.00} in fees and more hothouse payments, total hostility and zero empathy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Atlanticus Services Corporation
State: NC
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:
Reference complaint XXXX. Negative impact on credit score showing I closed an account. The Reference no is to the original complaint of not knowing about this card. The fact that I did not authorize transferring my 9.99 % account to a 25.99 % card. Which they charged me a {$41.00} fee to transfer the balance without my authorization. Predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Victoria Secret charge card through Comenity Bank and have had a few issues with said bank. Which ended with Comenity closing my account XX/XX/20 for reason that did not seem valid or clear. I then made a complaint here through the CFPB requesting my account be reopened and the rewards and the anniversary discount of 20 % for earning XXXX  XXXX status be extended so that I could use them as I earned then through the rewards program. The company responded XX/XX/20 stating they refused to reopen my account due to " credit changes and lack of use '' which neither claim was true. I was unable to make purchases from XXXX - XXXX due to a mistake made to my account and in XXXX the company addressed the mistake and fix my account, but I did make multiple payments in XXXX so there was no lag in activity and their statement of " credit changes '' is also false or i can only assume so since on XX/XX/20 ( 5 days before the refusal response ) I was pre-approved for another Victoria Secret card through Comenity Bank which I accept just to see and was fully approved for XXXX credit which is {$50.00} more than the account that was just closed. I notified Comenity of this and also asked for my account status to be changed to XXXX XXXX like I had earned in my previous account and my rewards to be renewed and was told my questions were sent to the right department and to give it 30 days for a response and after the 30 days I was told I'd have to try and call to speak with the right person. I'm not sure why this company is targeting me but I definitely feel like I am being retaliated against because they attempted to change my minimum payment illegally and I made a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: National Credit Systems,Inc.
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: DISCOVER BANK
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:
I had 3 loan accounts with discover bank student loan, all of the accounts were paid in full with a settlement and closed in XXXX. But Discover Student Loan Crop still state that my accounts are still opened and still delinquent because in XXXX, those accounts were delinquent. 
HOEVER, Delinquent accounts are those have not made at least a minimum payment for 30 days or more. 
BUT, my accounts were paid and closed after XXXX, in year of XXXX. 
I called Discovery Student Loan, their answer was very confused. they said doesn't matter these accounts were paid in full and closed after XXXX, they are still dispute the amount in XXXX. 
I felt confused because when I paid them in full in XXXX, these 3 accounts were not delinquent anymore, the company should not file delinquent collection for the delinquent amount in XXXX. I am also afraid that they will ask me to pay them any amount that I own them in any year before XXXX when the accounts were paid in full and closed. 
The delinquent they put on my 3 accounts are WRONG!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Lending Club Corp
State: CA
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:
LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.

They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
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: 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 XXXX 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.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-03
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: Information belongs to someone else

Complaint:
I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from 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 non-monetary relief
Consumer complaint received 2023-11-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There are two major issue .First, have a checking account in the bank and im currently living abroad. XXXX XX/XX/XXXX, my suddenly lost my acces to my mobile banking account. During password recovery process, application was insisting my SSN and other information does not match their records. contacted the costumer support next day, and after spending an hour trobuleshooting, issue wasnt resolved.Eventually, She told me that her logs was telling her that password recovery was succsesful each time when i tried and got the same error i mentioned above. She told me that her system shows everything perfect and there is nothing they can do as if im imaginig the error. This issue still persist to this day.Second, Furtermore, Since the occurance of this probleam, The bank has been declining any monetary transaction via bank account and debit card. Reason was not disclosed to me during my call. So i have lostany access to my money. tried reaching costumer service XX/XX/XXXX for this issue as well, but failed after being put on a hold for terribly long while. m calling form abroad, and its terribly expensive to call. Only thing CS agent could come up is to me going to a store, witch is not possible. need your help, please help me in retriving my account.

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 2023-04-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. 

This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. 

The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX  and XXXX  of my own house, etc. I need an investigation and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: USCB, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my name is XXXX XXXX and this is my first time filing a complaint using CFPB. Since XXXX I have been working on improving on being more financially responsible : Budgeting, paying bills on time, and self educating myself. I check my reports frequently through XXXX XXXX   and it bothers me to see the following Medical collections below listed on my account. This could have been a simple misunderstanding of me having insurance or not as Im not a big fan of the hospital, sof I have been on ssdi for 2 years and recently started a new job working a job 30-40 hrs a week. My goal is to clear out any errors regarding my credit, build it too a XXXX by XX/XX/XXXX and XXXX by XX/XX/XXXX. So far I have paid a debt to XXXX in full of {$2400.00}, pay rent on time, and created a in-progress budget plan. I will work to get to where I need to be slowly and surly. Im in the process of rebuilding my credit score and these remarks are hurting my credit. Any advice /help to remove these remarks would be great. Thanks for your time and I look forward from hearing from you. 

Revsolve {$470.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 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: Closed with non-monetary relief