BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX is reporting a high credit of {$0.00} and this is absolutely wrong. XXXX is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. XXXX and XXXX are also reporting a different date last active and date of last payment. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using XXXX to verify this information and clearly XXXX isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with XXXX and this is inaccurate. XXXX is reporting an account detail lease and XXXX is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. XXXX is also reporting credit limit of {$0.00} and this is wrong.

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 2022-02-06
Company: EQUIFAX, INC.
State: NY
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:
ON MY REPORT IT SHOWS XXXX XXXX AND XX/XX/XXXXXX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
This is completely inaccurate. 

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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( XXXX ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX  did the right thing and deleted it. Experian and XXXX sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.

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 2019-06-17
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am closing my XXXX XXXX Account and I have tried multiple times to add my XXXX XXXX Checking Account to PayPal Credit however it refuses to add the bank account thus forcing me to keep open my XXXX XXXX   account as it will not allow me to make a payment with any other means.

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 2022-02-06
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
www.netcredit.com sends me email weekly saying I owe them {$8100.00}. I have asked them to provide proof of the debt. The provided information which was disclosed in several identify thief situation I have been involved for the last 10 years to include Working for the XXXX, data was stolen due to an unsecured computer ( 16 years employed ) XXXX XXXX, XXXX medical records were stolen ( 12 years in the XXXX XXXX ) XXXX lost data. I was with them for 10 years XXXX XXXX XXXX. I work there for 7 years XXXX data breach my credit information was stolen. 

They were not able to provide me with the bank this money was deposited into. 

Please have them stop contacting me regarding this loan as it is not mine. I retired from 35 years of federal service in XX/XX/XXXX. This loan was taken out in XXXX. I had no need for a loan during this time as I was getting a government pension, social security and VA disablity. I also own a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Initially Goldman Sachs sent me an invitation to open an Apple Card Acct in XX/XX/XXXX. In exchange, it offered a complicated {$50.00} acct opening bonus as detailed below : 1. Apply for Apple Card 2. Be approved for credit, 3. Use the card at XXXX XXXX XXXX within 30-days of receiving the card to purchase at least {$50.00} in services, 4. First {$50.00} spent would be credited back into my new Apple Card Acct within 60 days. I satisfied 1 and 2 rules above : 1. I was given a {$7500.00} line of credit within minute after applying, 2. An Apple Card was sent to my home address, 3. I used the card at XXXX XXXX XXXX numerous times within first 30-days of card issuance. However, I never received the {$50.00} credit. I communicated with them numerous times by chat lines and direct phone calls. Then I followed by sending an 8-page letter to them since XX/XX/XXXX demanding the {$50.00} bonus offer to be credited into my new Apple Account. Unfortunately, Goldman Sachs has refused to honor its commitment. to this day and has stopped responding to me requests to communicate. I still have the account active but have not used it since XX/XX/XXXX. It has been a frustrating experience for me and my partner. We wonder if others have complained about same issues with Goldman Sachs Bank. I would be glad to send a copy of the 8-page letter I sent them if CFPB is interested to investigate their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander has agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX- XX/XX/XXXX. I would also like to add that they are reporting incorrect information on all three credit bureaus preventing me from opening new accounts and purchasing another vehicle. 

I demand that this account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 MCM bank contacted my husband and gave personal information such as account number, amount owed dated of specific transaction. Although I have taken care of the debt I believe this is not legal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: OR
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 have been trying to dispute Account Name XXXX BANK with XXXX XXXX XXXX EQUIFAX and XXXX for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA XXXX provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I signed up for a XXXX account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, XXXX has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and TransUnion has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX  violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.

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 2023-01-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted the three consumer reporting agencies, XXXX, Transunion, and XXXX  and let them know I am a victim of the XXXX  data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.

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 2019-12-04
Company: Experian Information Solutions Inc.
State: IN
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 had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( Experian, XXXX & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2023-11-17
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.

Company response to consumer: Closed with non-monetary relief