BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFFIRM INC XX/XX/2018 {$1000.00} Account Inaccurate and already settled to the Creditor and disputed submitted to the bureau for deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX   and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2021-05-11
Company: EQUIFAX, INC.
State: CA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX  ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2019-03-15
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX , XXXX. I managed to find their contact information through the XXXX  ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about XXXX XXXX XXXX. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX If you're able to help shed light on this situation, I would greatly appreciate it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2023 approximately {$16000.00} was deposited into the accounts and pending transactions were doubled and withdrawn from the accounts causing overdraft fees. Overdraft fees were processed on the account before the 24 hour holding period. I have done my best to communicate this issue with no resolution and a loss has been detected. No funds have been returned. I was told that USBANK is holding funds but have not been reimbursed to the entirety. Approximately {$4000.00}. I have been told to dispute transaction with the fraud department but this is an internal issue and email complaints are falling on deaf ears.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I certified mailed Transunion advising them they violated my federally protected rights on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ) and 2nd request on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ). Transunion did nothing to resolve request and We cant find any recently completed disputes. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX, XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$310.00} XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$55.00} The Fair Credit Reporting Act 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. 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 7 years.

15 U.S.C. 1681s-2 ( 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 accurate.

15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumers file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the 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 2018-03-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, I contacted XXXX XXXXXXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX  {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a XXXX bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: Spring Oaks Capital, LLC
State: TN
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 Springs Oak Collection say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. 
The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 
Your information is incorrect.. 
PLEASE DELETE THIS FROM MY XXXX CREDIT REPORT. 

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX  Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.

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