BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all 3 bureaus.

I am writing to dispute the following information that appears on my XXXX, Experian, XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX XXXXXXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CCS Financial Services, Inc.
State: FL
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:
The collection company made no attempt to contact me to verify the account was mine and reported the account on my credit without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive a statement. When I finally did receive one there were late charged. I tried to pay my account on line but it didnt work. I mailed a payment less the late fees and requested the fees be removed and my account to be closed. I paid for all of my merchandise but Synchrony Bank keeps sending statements with additional late fees and interest on top of the late fees. Now they are threatening to debit my bank account without my permission. I receive multiple harassing phone calls daily.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Experian ; XXXX XXXX XXXX ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

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 2022-01-27
Company: United Consumer Finance, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX ; UNITED CONSUMER FINANCE ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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: In progress
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: AL
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:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/XXXX, I the consumer received my Investigation results from TransUnion sent XX/XX/XXXX, file # XXXX. The results stating that there's been XXXX deletions, XXXX XXXX XXXX, US DEP OF EDUCATIONXXXX, and US DEP OF EDUCATIONXXXX  Deletion is admission and TransUnion admitted to Injuring me the consumer. I the consumer Is Demanding monetary relief for the following violations : ( XXXX ), 15 usc 1681 ( a ) XXXX ( b ) -Accuracy and fairness of credit reporting ( XXXX ), 15 usc 1681a ( XXXX ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted. ( XXXX ), 15 usc 1681b ( a ) ( XXXX ) ( XXXX ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. ( XXXX ), 15 usc 1681c ( a ) -Requirements relating to information contained in consumer reports. ( XXXX ), 15 usc 1681n ( b ) - Civil liability for willful noncompliance. Each Violation under the FCRA is {$1000.00} each violation, that's {$5000.00} for all XXXX violations that I'm demanding for the Injury I sustained due to the XXXX accounts furnished on my report without prior consent of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: KY
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:
The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.

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 2020-01-07
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:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My friend, XXXX XXXX XXXX someone on XXXX  about Mining Pool using Coinbase Wallet. This scammer said if I open a Coinbase Wallet and deposit USDT ( tether ) you can earn liquidity mining rewards based off USDT. The scammer then sent him a mining certificate that allowed access to the mining pool. I think clicked on the mining certificate which turned out to be a smart contract that gave the scammer complete control of my coinbase wallet on USDT. I then deposited USDT one a time and proceed to earn rewards in USDT. I continued to add USDT when on XX/XX/2021, the scammer emptied my Coinbase wallet and drained all my funds. 
In total, {$310000.00} was stolen out of my wallet and transferred to other wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a payment for {$950.00} more than my minimum payment due on my credit card account to US Bank, the payment i made is for the month of XX/XX/XXXX, & XX/XX/XXXX unfortunately US Bank charge my account a late fee for making my XXXX payment on time, I was told that theyve applied the {$950.00} for the month of XXXX. Additionally I got charge for making a payment on the day is due ( XXXX ) of every month. Id suffered financial abuse from US Bank that cause me to take action & closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Fay Servicing, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing did not pay my homeowner 's policy from my escrow account on time, although there was sufficient funds to do so. My homeowner 's policy was cancelled on Friday XXXX XXXX XXXX. 
I did get an email that Fay paid the premium late ( XXXX XXXX. XXXX ). 
However, since the payment was made this year it has caused my escrow balance to be in the negative. 
Fay told my insurance agent on XXXX XXXX, XXXX that they were going to overnight the insurance payment. They did NOT do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Minto Financial dba Minto Money
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Minto Money is a predatory lender- it is criminal what they charge. I thought there were laws to protect us but apparently there is a loophole this XXXX uses : I do not agree I signed loan docs knowingly with interest rate clearly at the beginning of the document. Unfortunately I had two loans with them and didnt realize the ridiculous interest rate on first one because I paid early plus obviously wasnt paying attention. I signed docs online ( text signature ) but was not given a copy either time and when I tried to access recently I had to request several times via phone as not readily available online. In any case, I was charged 629.3 % and 386.4 %. I feel like this should be illegal. Supposedly they are protected but I have read of other lenders that use the same status but not correctly ( not that I think there should EVER be a way a tribe should be able to take advantage of people needing a small loan that may not have the best credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Total Recovery Services, Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.

Company response to consumer: Closed with explanation