BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
PENALTY OF PERJURY 'Violations of 15 USC 1692g ' '15 USC 1692a abusive and profane language ' '15 USC 1681b- Permissible purposes of consumer reports ' I sent letters on 05/17/2021 citing violations of 15 usc 1681b . I have never gave written consent to report any of the accounts listed below. 
XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I will be sending an invoice for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters of dispute to Experian, for a creditor in my file named XXXX XXXX/acct # XXXX. Experian responded with " account verified ''. On XXXX XXXX, XXXX and XXXX XXXX, XXXX I sent certified letters to Experian disputing the account and requesting the documentation received verifying the accuracy. I received a response from Experian dated XXXX XXXX, XXXX stating, " Unless you send us additional relevant information to support your claim we will not reinvestigate this information. '' In response to my letter mailed XXXX XXXX, Experian sent me a response dated XXXX XXXX, XXXX parroting the same response that was previously sent to me. 

In both of the letters that I sent to Experian, I requested that they send to me the documents that they have in their file that was used to verify the accuracy of the disputed account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Experian disclose to me all of the documents that were recorded and retained in their file at the time of my request concerning the account in dispute. The FCRA, 15 U.S.C. 1681 ( i ), further states that if the disputed account remains unverified that it must be promptly deleted. Furthermore, the FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) states, " if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness fo the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information ... '' I have not received the requested information after my submission of numerous requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # XXXX 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 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 explanation
Consumer complaint received 2020-11-01
Company: SYNCHRONY FINANCIAL
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-07-25
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i received a check back in XXXX that was misplaced in my files from cfpb v Amerisave Mortgage corporation in the amount of XXXX this company was the first company that had my loan back in XXXX. 
when I dialed the number on the check, it has been disconnected and is no longer in service. XXXX when I looked on line and dialed XXXX I was advised by XXXX that my check could no longer be issued.. I am looking to resolve this matter as I am still owed " MY '' money from federal lawsuit in which I was affected as a consumer at the time. 

please advise

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 2023-07-14
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had received a letter in the mail, claiming that a credit card from Milestone MasterCard has an open account under my legal name that has been charged off due to delinquency with an outstanding balance of {$1100.00} and sold to XXXX XXXX XXXX XXXX dating from XXXX of XXXX XX/XX/2023. I have never applied for a credit card under this company nor have I heard of this company before until I received this letter. I have contacted XXXX credit report, customer service to inform them of this fraudulent case but need further assistance from federal trade commission in order to ensure that this fraudulent activity will not be permanently recorded as part of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Westlake Financial Services bought the company that I took my original car loan out with. I know and understand that my payments are late as of right now but I am making strides to get it caught up. My problem, however is that they are harassing me at work via my company telephone line and call me upwards of 15 times per day. I have asked them on the phone in the past to not call me at work, at my employer prohibits me from receiving these kind of calls during work hours. They have continued to call. They even called me today, XX/XX/18 at approximately XXXXXXXX XXXX. They have called my cell phone already fives times today and its only XXXX in the XXXX. I have explained that I am struggling financially right now and even asked if they could temporarily lower the payments for me so that I can try to catch up. They denied my request. They have also denied my request to essentially refinance the loan and extend out my term. I am trying to work with them but I can not continue to receive these calls constantly through out my day. Its harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are fraudulent and do not belong to me. please remove off my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed a complaint with you about XXXX XXXX. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is Comenity Bank. Comenity Bank lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about XXXX XXXX, and XXXX XXXX XXXX These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to Comenity bank 3 to 4 times of what I had owed. Comenity bank had close the account but without my consent gave my personal information to XXXX XXXX, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want Comenity bank, XXXX XXXX, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage servicer Mr. Cooper has accepted and confirmed the submission file for XXXX XXXX. & XXXX XXXX XXXX was received on multiple occasions in XX/XX/2019 ; however, the assistance package would within days be denied. The denial was based on the claim that the mortgage note owner would not accept any submissions from the XXXX XXXX. Mr. Cooper claimed that they had received confirmation from the mortgage note owner that the XXXX XXXX had reached their limit for mortgage assistance. When requesting confirmation of said servicing agreement, instructions or communication confirming this statement we were denied every time. Mr. Cooper has not been transparent with any information and have prevented us any form of mortgage assistance. This has caused our home to remain in foreclosure and now we have been forced into a foreclosure date of XX/XX/2019. We believe this is predatory lending and a violation of the Mortgage Assistance Act. We are needing assistance because as consumers we are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records.

see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 I withdrew {$100.00} from the XXXX XXXX ATM located in the Fountain Lobby of my workplace, XXXX XXXX XXXX XXXX, XXXX XXXX IA. At the time of withdrawal the machine did not disclose that I would be charged a fee on screen or anything on the machine. Later when I checked my account online it stated no fee ATM withdrawal. 

A few days latter I was hit with a {$2.00} charge. XXXX with tax. I questioned my bank, US Bank and asked them why when it didn't state the fee on the screen or ATM at the time of withdrawal did it charge me. They claimed it was told to me in two .pdf forms which I had never seen, much less knew existed.

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 2019-11-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

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 2022-09-30
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:
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. 

ONLINE INFORMATION SER # XXXX, XXXX BANK, XXXX, XXXX # XXXX, XXXX FIN XXXX XXXX, XXXX  - CARD SERVICE # XXXX 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 state 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 2023-05-22
Company: EQUIFAX, INC.
State: MO
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 credit report the following accounts have been proven to be incorrect my XXXX XXXX and XXXX please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX and XXXX XXXX and all accounts associated with XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: FC HoldCo LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.

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 2019-04-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
We have debt. There is a no contact order on phones XXXX and XXXX. Today, they called twice leaving messages to call them about debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: AES/PHEAA
State: PA
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:
In XXXX, I sent a letter to AES/XXXX regarding late payments that were showing up on my credit report. I was never late on the account, and I asked if they could remove the late payments as a one time " goodwill ''. They responded with a letter saying that they did not report any delinquent information. I have attached this letter. 

I forwarded this letter as well as a copy of my credit report to each of the three bureaus, demanding that the account status be updated, and I have not heard back yet from any of the bureaus. I have attached a copy of my complete 3-bureau reports where it is inaccurately reporting. 

I sent an investigation letter to AES/XXXX, and they are saying that it is reporting accurately. I have attached that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried filing disputes concerning personal information listed on my XXXX, XXXX and Transunion credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, Transunion and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

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 2023-01-24
Company: Experian Information Solutions 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:
I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all 3 credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are 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 Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from.

This is Federal Law. It looks like yall are not following the Federal Law to me

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