BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this on more then one attempt and CFPB closed account without investigating my complaint against IQ Data international false claims. CFPB states that A debt collector may not collect any interest or fee not authorized by the agreement or by law. 

The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. I have argued this fact in my previous statement and nothing has been done about this false claims by this debt collector. I have not agreed nor signed anything agreeing to a third party interest or any kind. IQ Data international states in this letter stating under the CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX and XXXX Internal Reference : XXXX We have received your dispute letters of XX/XX/XXXX and XXXX, XXXX, in which you dispute the interest charges on your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$640.00} owed to our client, XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX to the addresses submitted by our client which was unfortunately returned as undeliverable. Our office again mailed notification to your updated address on XX/XX/XXXX. Our office disagrees with your assessment regarding charging interest. Your account is accruing interest of 7.00 % per annum as allowable by law. This interest rate was disclosed in your initial notification. 

Under what Law is this allowed under Fair Credit Act? Under the 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

IQ Data has been sued for this same Tactic more then XXXX times. I request this company provide proof they are entitled to this false claim stating I agreed to this debt or even signed any agreement stating I agreed to a third party interest fee. CFPB failed to investigate this false claim and I have been asked by my legal counsel to try again. If this complaint can't be resolved I will be moving towards legal matters suing both CFPB an IQ data international

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested

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 2023-03-31
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotion in the mail to spend a certain amount and receive an extra {$20.00} statement. The promotional credit was due and has not been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
3RD COMPLAINT! XXXX XXXX XXXX ext XXXX WORST REP! NEVER RESPONDED TO OTHER 2 COMPLAINTS! need ORIGNAL COPIES OF XXXX XXXX ORIGINATOR OF LOAN! Showed proof of faxes since XXXX had a XXXX apt to call me back NEVER DID!!!!!!! FILED XXXX PRO XXXX SEND AUTHORIZATION FOR RECOVERY MODIFICTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Information belongs to someone else

Complaint:
SEE ATTACHED In accordance with the Fair Credit Reporting Act The list of account below has violate me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. HOW WAS THIS INFORMATION VERIFIED AND/OR DISCLOSED, ON WHAT DAY AND BY WHO? 15 USC section 602A states i have a right to privacy. 15 USC section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. 

I ONLY have one name XXXX XXXX XXXX, XXXX phone number XXXX, and XXXX employer- United States Postal Service XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Kikoff 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: Account status incorrect

Complaint:
On XX/XX/XXXX if a cow is still reporting inaccurately as a delinquent account or derogatory account with XXXX it has not been deleted nor updated as a as the other two credit reporting bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Early Warning Services, LLC
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:
Early Warning XXXX has no respect for the Fair Credit Reporting Act or the laws. Early warning XXXX  has admitted that they are a credit reporting agency and the FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early warning XXXX  has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early warning XXXX  is in violation of the XXXX XXXX XXXX act which clearly states financial institutions such as early warning XXXX  must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. I have been a victim of identity theft and the accounts reporting from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, and chase need to be deleted from the early warning XXXX data base immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with Lowes. Used the card at the local Lowes store. Never received a bill from Lowes. Received a collection letter from Synchrony Bank who apparently runs the Lowes credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with Lowes as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from Synchrony Bank I paid the entire balance. Synchronicity issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out Synchony was also the credit card issuer for this store as well. Bottom line is Synchony Banks deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-18
Company: Experian Information Solutions Inc.
State: IN
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:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :

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 2021-03-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: DISCOVER BANK
State: MO
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 checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: PA
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:
Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : Experian is reporting two separate line items for the same account ( for the XXXX XXXX ). These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

XXXX is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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: 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3300.00}

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 2019-12-31
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19, a PNC bank branch in Georgia made an error of withdrawing {$1800.00} from my savings account and they gave those funds to someone else in error. I live in Maryland and all of my banking has taken place in this state. On XX/XX/19 at XXXX, I filed a dispute against this error and was incorrectly informed that I would be reimbursed 3 business days after my dispute was filed. After 3 business days, I was told by PNC customer service that my dispute was being dealt with by the fraud and identity theft department and that it could take up to 30 days for my funds to be returned to me. None of the errors that took place are my fault and my personal funds are being withheld from me for an unreasonable amount of time due to the errors of the bank. There has been a lack of responsiveness from the bank and the customer service processes have been disappointing. All of the funds that I keep in the bank are needed and I should not have to wait this long due to error on PNC banks side. For an insured banking establishment, this is unacceptable.

Company response to consumer: Closed with explanation