BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX -I am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

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 2021-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Medical Data Systems, Inc.
State: LA
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:
Medical Data Systems, Inc placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met. 

The company has not met FCRA requirements and should remove this account information from all three credit bureaus immediately.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, XXXX letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my XXXX  and Drivers License.

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 2019-10-07
Company: Figure Technologies, Inc
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have accumulated a lot of debt. In early XX/XX/2019 i received a mail from Figure. 
Pre-approved 2nd Home Equity loan They sent me some forms to sign. they never asked me why i wanted the money. Then without my knowledge the monies were in my account. 
It wasnt what we discussed. I used the funds to payoff XXXX< XXXX and XXXX. 
When I started reading everythin i realized the the interest was 8.99 % and a {$3000.00} service fee. I called them and their answer was we did the the best they could. After repeated calls. I showed some papers to XXXX. Their loan officer said that this loan should have never happened based on the fact I didnt qualify by a mile. I have an equity loan with XXXX. I pay my bills on time. However with a payment over {$1000.00} per month i will not be able to make these payments. If they would have returned my calls I would have cancelled. I asked if I could pay down the loan if I had a windfall. No answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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:
You are in Direct violation of the fair credit reporting act... account name XXXX 
Account number # XXXX ... Has violated several of my rights..

15 u.s.c 1681 section 602 A. Clearly states that i have the rights 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 1666 B : A creditor may not treat a payment on a credit card account under open-end, consumer credit plan as late for any purpose... Remove these late payment and up date this account immediately as you in direct violation of several laws under the fair credit reporting act.

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 2023-01-19
Company: U.S. BANCORP
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:
On XX/XX/XXXX at XXXX pm I used a XXXX XXXX XXXX a.t.m. I then proceeded to withdraw {$920.00} cash using my US Bank debit card. The a.t.m. opened up to release the funds and wouldn't let go, I struggled to pull but failed due to door shutting up my fingers, I did manage to take {$20.00}. I then parked and waited for over an hour contacting both banks. I filed a claim with both banks, and both came back with no error had occurred.

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 2020-03-13
Company: EQUIFAX, INC.
State: NC
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:
Equifax closed my complaint and did not fix errors on my credit report. I am a person not a credit repair company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Signed up for Bilt Rewards Credit Card from Wells Fargo. The card is advertised in a way that allows you to pay your rent using the credit card so you can earn rewards points. I set the card for autopay say that I had sufficient funds in my bank account and say the payment went through. I had been paying rent through the Bilt app for the past year. On the XXXX of XXXX I received an email saying that the payment did not go through. I was then charged a {$50.00} fee, then the next day an {$100.00} rent late fee. I have been paying rent with no issues for the past 3 years and never had an issue. When I switched over to the card I all of a sudden began accumulating fees. When I spoke to customer service it took them 4 days to get a call back. They wouldnt not abate the fees and when I asked to speak to a supervisor or cancel the card my call was dropped. I had enough money in the account when the payment went through, they tell me there wasnt. The payment was for {$2600.00} autopay shouldve gone through on XX/XX/XXXX. I was emailed notice that the payment didnt go through the XXXX of XXXX. Late fee was charged on the XXXX. I had until the XXXX to pay rent on top of everything they didnt warn me that the rent payment didnt go through until the 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX - 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2022-03-23
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sallie Mae has recently reported 6-7 delinquencies on my credit report. A payment was made in the amount of {$790.00} on XX/XX/22 before XXXX XXXX  that day. A rep told us as long as the payment was made before midnight on XXXX. We would not be reported. Sallie Mae then reported to my credit report a week later. I want these delinquencies taken off my credit report and my points restored. Sallie Mae has destroyed my credit. I've never had bad credit until my son opened up student loans with them. They are the worst financing company by far! Believe the reviews!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 

Below are the details of the fraudulent accounts : XXXX XXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take actions. I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX take off the missed payments and negative utilization for any charge off accounts and XXXX credit card missed payments. I never missed any payments and XXXX uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
TransUnion, as of today XX/XX/2023 you have 3 days XXXX to take these no. Account holding inquiries off of my credit account credit report and on the XXXX charge off accounts under XXXX XXXX XXXX my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
XXXX, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unit XXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of XXXX party theft of my private and public information! XXXX filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$2400.00}.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In reviewing my consumer report with TransUnion, I noticed an unauthorized Inquiry on my consumer report from a company named XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have sent multiple letters explaining why my credit report is in accurate. Neither credit bureau has responded or sent anything back to confirm the accounts on my credit report are accurate. I have sent letters dating back since XX/XX/2023 and have yet to received a valid response in accordance to the FCRA

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: Atlanticus Services Corporation
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief