BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
I have already disputed these items with the bureaus, but they did not remove them, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. nor prove validation. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
auto loan through Credit Acceptance. Loan was defaulted on and vehicle repossessed. Account sent to collections and a wage garnishment judgement awarded without me even going to court. Judgement amount of {$23000.00} with a % XXXX interest on top of that leading to current wage garnishment of $ XXXX monthly.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: WI
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 received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be 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 2023-06-22
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and XXXX held in trust i informed them that the are infridging on my rights. I have a FOIA request and XXXX XXXX XXXX XXXX of the XXXX  im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH EXPERIAN XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
RE TJX Synchrony Bank credit Card. 
I made a 1 time purchase on the telephone from an ad I saw using Synchrony Bank credit card. After first order was received and paid for the company continued to send me multiple orders all of which were returned to sender unopened. They charged my Synchrony Bank credit card. I called the number from the telephone number listed on the address label of the package and instructed them to not send me anymore shipments and I told them that I had never ordered these products and everything was return shipped via US Post Service to them, that they must remove all charges to my credit card as I did not have the product. I never agreed to any multiple order shipments. I would never do such a thing! On my credit card the company name was XXXX XXXX  '. I got their their phone number from Synchrony Bank when I called them to find out what the charges were for when I found to that this was another name for this face cream company. There were multiple charges on the credit card from a company with a different name and it took me a while to figure out that it was the same company with this face cream product {$19.00}. I was very firm that I did not want any repeat orders. 
Synchrony bank credited me the amounts on XXXX XXXX XXXX XXXX {$110.00}, {$110.00}, {$39.00}, {$110.00}, {$110.00}, {$39.00} I contacted Synchrony Bank to close this card and they sent me a new card. I explained the situation and was assured that this was the best way to stop this company from billing me. The representative understood the situation and agreed that it should be closed and a new card issued to stop further charges. I specifically discussed this situation with Synchrony Bank, opened a dispute. My account was credited and the account was closed. After my account was closed the charges reappeared on the new card. I spoke with Synchrony Bank customer Service who told me the company recharged my account. This is exactly what I was trying to avoid. Now Synchrony Bank is billing me for these charges including interest charged if I do not pay, I have spoken with their account managers several times in order to get this resolved without success. At this point I am trying everything to clear this charge up. I am desperate as I have spend huge time on this and hours on the telephone without the respect of Synchrony Bank.

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 2022-08-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-08-23
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I added a guy on XXXX  that goes by the name XXXX   he lives in the XXXX and he posts videos of him buying item clothing and electronics and shipping it to people that buy from him, I bought a XXXX from him on the XX/XX/XXXX he said the XXXX would come between XX/XX/XXXX- XX/XX/XXXX i sent him {$110.00} for the XXXX, I then messaged him for the tracking number and he didnt answer I then messaged him again and he blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARELLC/CAPIOPART XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARELLC/CAPIOPART XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I pulled my credit and notice XXXX XXXXXXXX XXXX is reporting a balance of {$690.00}. I've sent out letters to this company asking to verify this debt because I have insurance that covers my visits and know I should never have a bill this much. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital/dr office agreement with my signature. I have not received anything but a print out of a balance they claim I owe. My file always tend to get mixed with my sibling file a lot at the the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.

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 2023-09-04
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Planet Home Mortgage apparently bought my VA mortgage from XXXXXXXX XXXX in XXXX. They are stating they converted this loan into a conventional loan without my signature or closing. 

Attached are closing documents for ( XXXX ) Documents clearly state VA mortgage. 
Loan ID # XXXX MIC # XXXX In XXXX, I did a VA loan modification with XXXX XXXX 
Attached are the documents. 

Principal and Interest : {$1300.00} Estimated Escrow : {$330.00} Interest Rate : 3.250 % In order to solidify the loan modification, I had to make 3 consecutive payments of the new loan modification agreement, which I did. ( See checks attached ). 

I have been in contact with the VA several times and the adamantly state Planet Home nor any other mortgage company can change the status of the loan from VA to conventional on their own without consent. 

They are trying to raise my monthly payment from {$1600.00} ( agreed in loan modification ) to a conventional rate of {$2700.00}. Again the VA stated this is preposterous and can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I've contacted Kohls credit about a late payment from last XXXX. My account is current with a XXXX balance. Most of the time it's paid off right away. I was XXXX last year with XXXX  XXXX and was not able to function correctly for over a month. Didn't realize there was a late payment until I fully recovered. All I'm asking is for the late payment to be removed on my credit report due to medical reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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, Equifax 2 accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX  and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
I had several unauthorized transactions on my account, and the Bank wont have a supervisor call me to discuss this matter. I have made several requests over the past 2 months and did not get any call backs. 

I did receive a letter from a XXXX XXXX with a phone number to call her directly, however that number goes right to voice mail, and calls are never returned. 

I am writing this for CFPB to have a manager in the fraud department or someone from the bank to call me at my number 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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 and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot 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 2023-06-11
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:
Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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 2019-08-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have mailed and also tried to use the online system to upload a request regarding unidentified fraudulent accounts as a result of identity theft .... I have had no response via mail and I can't use the online system it will not allow me to upload any documents ... these accounts are fraudulent and need to be blocked and permanently removed from my file I have already sent letters to the credit bureaus on this matter to no avail that's why I am trying this to submit the information here

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