BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.

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 2023-09-07
Company: Sunlight Financial LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a XXXX XXXX from Sunlight Financial and discovered that my principal was not decreasing after several continuous months/years of payments. It also appeared the company added finance charges that were not disclosed at the time of signing. The deeper I looked, the more issues I discovered regarding finance charges, payoff amounts, etc. I attempted to contact Sunlight Financial and have not been able to get in touch with anyone. I can not add a new payment method, speak with a representative, or use any other means of communication. It's almost as if the company as a whole is a scam. Other clients online claim the company is fraudulent and is undergoing a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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 and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$570.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$75.00} ( Original Creditor : ) XXXXBalance : {$150.00} XXXX XXXX Balance : {$13000.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Edited letter to Equifax, XXXX. XXXX XXXX, XX/XX/XXXX, to avoid providing personal information Dear Sirs, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake adding a suffix ( Sr. ) to my name. I have never used, and have no reason to use Sr., as I have NO MALE children! 

In addition, you compound your mistakes in you latest communication. Let me explain. 
In addition to the Sr-suffix, you had my former employer as XXXX XXXX  XXXX. I pointed your mistake in my previous letter. My previous employer is The XXXX XXXX XXXX XXXX. Furthermore, under previous addresses the XXXX XXXX XXXX was in XXXX Ohio, not XXXX, as you mistakenly wrote. 

The confirmation # XXXX says you have deleted from the credit file XXXX, XXXX XXXX XXXX, Date employed : XX/XX/XXXX Date employed XX/XX/XXXX The information about my former employer should not be deleted, instead, it should read : XXXX, XXXX XXXX XXXX XXXX XXXX, Date employed : XX/XX/XXXX. The only information that should be deleted is the XXXX XXXX XXXX if you can not correctly identify XXXX Ohio, instead of the wrong XXXX!!!!! 

I enclosed copies of Passport, driver license and social security card in my previous letter to you. As you can see from the driver license, Passport, and Social Security card my name does not have the suffix Sr. 

I am totally fed-up with your organization. Would you forward my file to a supervisor? I can not continue sending letters and documentation in a fools-errand hope for resolution that never materializes in spite of months of effort and countless hours of writing. I would appreciate a supervisor contacting me personally to clarify any questions you may have prior to issuing another wrong resolution confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2019 I ordered a backup camera from XXXX, seller was in XXXX. XX/XX/XXXX the box shows up empty. XXXX refuses to help and tells me I have to give the seller 3 days to respond. Upon which they tell me I was lied to about that and that it takes 7 days, then I would need to file a police report and submit it to them. Upon which I'm told they ruled in my favor but because I started a claim to protect my money with paypal, they are voiding my protection and won't return my money. 

On XX/XX/XXXX I also called paypal, who is the financial instution I used for most of the transaction and was told they wouldn't help that ebay had to do it. 

Since nobody was helping I called my XXXX which was the other portion that wasn't in my paypal and they helped and I have that portion. 

The total transaction is {$120.00}. XXXX refunded me the portion that was on my card with was {$78.00}. 

Paypal let me know since I opened a dispute outside of them they are voiding my buyer protection as well. XXXX has ruled in my favor, and now neither company will give me my remaining {$50.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: MD
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:
Never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only Experian keep reporting with what kind of proof and the account in good standing ( please see letter from wynfiled attached. ) Experian is not challenging them well.

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 2019-03-29
Company: EQUIFAX, INC.
State: LA
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:
Submitted Equifax dispute, confirmation number : XXXX Was informed the dispute would be resolved by XX/XX/XXXX. 
Now, after checking almost daily for a month for the results online, I am no longer able to check the status online as Equifax claims my information does not match their file online. 

I called and spoke to an outsourced Equifax customer service representative on XX/XX/XXXX and was able to get verbal confirmation that the credit dispute had been completed, but I am unable to get written confirmation that the disputed item has been resolved. During this conversation the customer service rep reported he believed my address was listed in error and tried to update it, which I believe he input incorrectly and I did not receive a confirmation email of this change either. 

Today, XX/XX/XXXX, I have tried to request my Equifax credit report to verify that the item in dispute was updated or deleted, and my online request was denied both when utilizing XXXX and equifax.comXXXXXXXX and I am unsure if it is related to this customer service representative 's change of my information or for an unrelated reason. 

I am unable to get a human being on the phone who can help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
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:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Transunion, Equifax and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( Transunion, XXXX and XXXX ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. Transunion, XXXX and XXXX are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 an account without my written instructions. 


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

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 2021-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: National Credit Systems,Inc.
State: AZ
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:
To Whom It May Concern : This letter is being sent to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2023 I contacted Comenity Capital Bank ( CCB ) in regards to service not renders and requested a removal of a charge in the amount of {$7000.00}. I received a notice from CCB indicating that complaint is last the 60 day requirement. I contacted CCB again and informed them of a communication error. I received indicating that the investigation is closed and charges are authorized. I provided a notice of appeal within 10 days requesting all communication and correspondence to and from the merchant that determined their decision. CCB provided no information or documents. I received the same letter indicating they have received my complaint and then on the same day I received that the complaint is closed. under the authority of law pursuant to The Federal Credit Billing Act CCB is required to act on my behalf and complete a full investigation. This was not done and they ignored my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : 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