BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I submitted a payment which took their system several days to process, when it finally withdrew from my account it was over charged and the payment sent back. I immediately paid the bill that month. Now XX/XX/XXXX just shy of one full year I submitted payment for XXXX on XXXX XXXX with sufficient funds to pay. Four days later payment processed and I was unfortunately XXXX short and the payment returned. Once I was informed I moved money over and immediately paid it off again. Now my account has been closed even though I have faithfully paid every month and rectified every misstep. I am actively rebuilding my Credit and the company closing my account has a negative impact. I'm honestly appalled that your company is so un flexible and not willing to work with someone who has never missed a payment and has fixed all two issues I've had in a year. I am human and sometimes make a simple mistake which is immediately fixed, why will your company not show me the same courtesy I have shown it by correcting my mistakes. Why actively penalize someone for something so small? I understand I am under contract and what your legal paperwork says, I'm asking you to be human and look at the reality of the situation and not to hide behind a contract with someone who faithfully pays their bills.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]

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 2021-06-08
Company: DISCOVER BANK
State: NJ
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:
There are accounts on my credit report that arent mine. I listed it below. 
1.Discoverbank  Account Number : XXXX 2. XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file. 

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.

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 2023-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : XXXX XXXX XXXX  via XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts 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 explanation
Consumer complaint received 2018-05-22
Company: Crow Creek Sioux Tribe
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This is a complaint against XXXX XXXX dba XXXX, whose mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
In XX/XX/2016, XXXX XXXX dba XXXX issued me an online payday loan in the amount of {$750.00} with an annual percentage rate ( APR ) of approximately 662.68 % interest ; with repayment of {$230.00} every two weeks for 20 weeks. The terms of this loan which were laid out in fine print involved automatic renewal of the loan every few weeks, which made it virtually impossible for me to pay back the loan within a reasonable amount of time. 

Therefore, I solicited assistance from XXXX XXXX XXXX  and/or XXXX XXXX XXXX, a payday debt consolidation program. However, I withdrew from the program because the cost of their services increased my debt, there was no reduction in my debt and the timeframe in which they expected to settle the debt was not reasonable. I have revoked and hereby revoke XXXX XXXX XXXX XXXX XXXX XXXX power of attorney and they are no longer authorized to discuss this account on my behalf. 

At the time the loan was issued I resided in the State of XXXX  where I still reside for more than 30 years. It have been made aware that XXXX law requires all payday lenders including internet payday lenders that make loans to XXXX residents to comply with its provisions, including licensure provisions and rate caps. Pursuant to XXXX. Code Com. Law 12-101 et. Seq, payday lending in all forms, including online loans are prohibited ; and XXXX Law requires business and lenders be licensed in XXXX. 

XXXX XXXX dba XXXX is not and has never been a licensed business or lender in the State of XXXX which makes the loan issued void and not legal or binding.

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 2023-03-11
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent money through XXXX and was scammed.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
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: Didn't receive services that were advertised

Complaint:
I'm not exactly sure what kind of account was opened but I have never opened an account with XXXX. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at XXXX or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX  XXXX XXXX ) and 1 business bank but never any 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 2020-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX and XXXX  on several occasions since XX/XX/2015regarding incorrect information not pertaining to me showing on my credit report. I contacted Equifax as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an XXXX XXXX. My friend is XXXX  and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2021-07-05
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Pleas

e delete this account.

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has called me most recently on XX/XX/XXXX and XXXX, and again on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. There have been prior instances of them calling me going back months, but my phone does not keep records that far back. Every time they use a different phone number but the same company name. I have spoken with them once and they ask me for personal information to verify my identity, but will not tell me why. I refuse to share information with them since they are randomly calling me and I have no uncollected debts as far as I know. I would like them to leave me alone or tell me in writing why they are contacting me so that I can make sure this is legitimate and not a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX dba ; XXXX XXXX XXXX reported debt to ; Transworld Systems Inc. when in fact I was affected by natural disaster and debt/rent was paid in full by XXXX ( Florida Dept. , of Children and Families ) XXXX  sent fraudulent and without merit to Transworld Systems XXXX XXXX that I have a balance as of XX/XX/XXXX {$10000.00}. 
Transworld Systems XXXX, without contacting me reported this as a debt owed them to XXXX XXXX XXXX XXXX XXXX / XXXX. This balance from XXXX XXXX ; XXXX XXXX XXXX is fully documented in Civil Division XXXX County Courthouse Case No. XXXX on XX/XX/XXXX. The Judge ; XXXX XXXX. All documents disbursements schedule from XXXX were presented to not only XXXX but to the courts. All balances have been paid in full.

Company response to consumer: Closed with explanation