BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
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:
On XXXX I pulled my 3 free credit reports from XXXX and after looking through my Experian credit report, I noticed some discrepancies and violations of my rights as a federally Protected consumer under Title 15 Chapter 41. I sent Experian a written dispute ( attached ) which they received on XXXX informing them that they were infringing upon my rights as a federally protected consumer. In this correspondence I informed them of rights that I had under Title 15 Chapter 41 and they ignored those rights and verified accounts on my report that should have never been on my report in pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction disputed. All these disputed transactions should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). 

The accounts in reference to the dispute are as follows : 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 explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX XXXX XXXX  opened a credit card for me. It was my first credit card ever. I needed one because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX restaurant in XXXX NC. I had severe XXXX  and was terribly ill. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am a XXXX  XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX for work. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt. 
The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question. 
They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by XXXX because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with XXXX XXXX with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. XXXX was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called XXXX to provide the payoff amount and mailed a bank check that was cashed by XXXX on XX/XX/XXXX ( This included the last payment ). XXXX never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed. 
I started a dispute with both XXXX and reported it also to Experian but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.

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 2019-09-06
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2019, Equifax sent me a letter stating : " We have received your request concerning inaccurate information on your Equifax credit file. 

A preliminary review of your Equifax credit file indicates that the Social Security Administration ( SSA ) has associated your Social Security number with a person reported as deceased. It is important that you contact the SSA to protect your current and future benefits eligibility. '' I called the number listed on the letter and spoke to a customer service representative. I first verified that my social security number was listed correctly on my credit file. After being placed on hold several times, the customer service representative could not answer any questions regarding this letter I received. They stated that there were no " deceased '' remarks on the credit file. I asked if they could see the letter they sent me. They had no access to this information. I asked to speak to a manager and without asking or putting me on hold. The customer services representative told me there were no managers available. I am clearly not deceased and wanted to know why I received this letter. The CS rep would not answer this question and had no information about it. 

I received this letter in response to a dispute letter I sent. I feel that this letter was a stall tactic used by the credit bureaus to prevent me from disputing the information on my account. I asked them to verify that the bankruptcy listed on my credit report was correct. I received a letter stating that it was " verified as accurate '', I then asked them to provide the method of verification used to verify the public record. They responded back that it was " verified as accurate ''. I then sent them another letter asking to remove the item off my credit report and I received the above-refrenced letter. This was sent to me as a stall tactic to prevent me from disputing incorrect and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer

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 2018-05-21
Company: Experian Information Solutions Inc.
State: MN
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 have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.

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 2020-06-22
Company: Lendmark Financial Services
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I made a payment on my account, they sent confidential information via email to a 3rd party so now they have my info regarding checking info and account information with Lendmark

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX and spoke with staff and a manager - both located in XXXX. The supervisor/manager confirmed the debt was outside statute of limitations but per FCRA they could continue to report to XXXX for 7 years. 

Multiple attempts with XXXX to no end. 

Why are there are statute of limitations if FCRA allows them to report and negatively impact customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX XXXX XXXX  opened a credit card for me. It was my first credit card ever. I needed one because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX restaurant in XXXX NC. I had severe XXXX  and was terribly ill. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am a XXXX  XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX for work. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender 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 2022-09-03
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 was trying to sell a futon in XXXX XXXX. Someone contacted me to buy the furniture and wanted to send me a Zelle payment before pickup. I have never used Zelle before, so when I got an email from " Zelle '' it looked legitimate and it said that my payment of {$200.00} was on hold and needed to be verified before I would receive it, and it said the sender would need to send an additional {$500.00} to verify it's a real transaction. At this time the sender was on the phone with me, telling me this happens all the time and this is what happens with Zelle. The sendder also said his name was not who I was talking to originally on XXXX. Once he allegedly sent the {$500.00} I got another email from Zelle saying I needed to send the {$500.00} back to him to be refunded and I would get the full {$700.00} deposited into my account, and I would need to send proof of payment to Zelle, which I did. Then I got another email saying the payment was not approved and it was actually supposed to go the the Zelle accountant for verification and I would get refunded the {$1200.00} once they verified the account was real. At this point I knew I was scammed. The man hung up, and I immediately started calling my bank to cancel the transactions. The man called back after sending another bogus Zelle email to give them another {$1000.00}. I told the man the email said he's now supposed to send me the {$1000.00} which he didn't believe and I told him " look, I know you're a scammer, just send me my {$1000.00} back please '' to which he didn't and hung up on me. I spoke to my bank to try to cancel the transactions and they put in an investigation to dispute the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$110.00}

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