BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: SYNCHRONY FINANCIAL
State: CA
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:
Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. SYNCB/PPC XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2022-09-16
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent the first letter to Calvary Portfolio Services asking to validate the debt which I never received a response. Then on XX/XX/2022 I sent another letter asking for additional information which was ignored. Later on XX/XX/2022 I sent an additional correspondence informing them I would submit a dispute with the CFPB. This account has prevented me from using my credit in times of need. Adding stress to my life. This i=has taken longer then needed to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I mailed disputes letters to Experian and XXXX  along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!

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 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
The persons XXXX, XXXX XXXX and EXPERIAN Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency XXXX and XXXX just claim to verify account. I have no documentation of validation upon requests, this is my 3rd time addressing matter, I want XXXX the consumer reporting agency to remove XXXX XXXX XXXX from consumer 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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting 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 2023-11-06
Company: Credit Card Receivables Fund Incorporated
State: PA
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:
According to 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. XXXX XXXX account # XXXX15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i 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.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: TX
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 these companies, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

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 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-05-24
Company: Affirm Holdings, 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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX Balance {$310.00} XXXX  XX/XX/XXXX XXXX : {$2400.00} XXXX XX/XX/XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX Balance : {$3700.00} AFFIRM INC XX/XX/XXXX Balance : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX violated my rights. 

XXXX5 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 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 non-monetary relief
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: VA
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 disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M and t bank will not respond to my requests for termination of my account. Has promised to send me new checks and a debit card but never delivered

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 monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXXXXXX 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 explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2023-06-30
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX Offered a discount, I accepted a XXXX XXXX  credit card while making a phone order, was told that he paper work would be sent to me. 

On Thursday XX/XX/XXXX I received my first contact from them, making it clear that the interest was 31.74 % (!! ) and that *I had only days to close the account, * if I did not wish to accept that. The card 's fine print gives itself the right to all my personal information and to share it with anyone it chooses. 

I did not call to activate the card. Instead, I immediately called the number given to close the account ( XXXX. ) It's a recording. There is NO place in its menu to close an account. I tried all the options given and could not close the account. There is NO way to get an operator. I tried numbers for customer service and the Comenity Bank, said to be the issuing banking institution. It turns out to be a Delaware po box XXXX Recordings. 

I wrote XXXX XXXX on its website. 

Good merchandise. Sleazy financial practices. 

I NEED TO CLOSE THIS. 

FRAUD. FRAUD. FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
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:
XXXX XXXX is inaccurately reporting that I owe a collections debts of {$720.00}. Equifax is also inaccurately reporting that I owe the {$720.00} collections debt to XXXX XXXX. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as XXXX XXXX XXXXXXXX and the other is XXXX XXXX XXXX XXXXXXXX is the current processor of the loan.

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 2020-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. They continues to call me at all times during the day including after business hours on past occasion. When i did speak to a representative I was told these are computer generated calls and that is why I has to wait for the call to be transfered to a live person. I had spoken to the representative and informed the representative for Select Portfoloi Servicing Inc to only contact me via mail prior to mailing the letter out to Select portfolio Services Inc. They had continue to harass me with phone calls after I spoke to the representative, then I wrote them a letter which did not stop them from calling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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 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 2023-09-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contacted the original creditor ( XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All XXXX credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Per the contract, turn in fee is waived if you buy or lease a new Honda AHFC has been provided with proof of my new Honda lease ( both by mail and email and now attached to this complaint ) and has still reported me delinquent on the turn in fee for multiple months resulting in XXXX points of XXXX  score reduction

Company response to consumer: Closed with non-monetary relief