BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: TX
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:
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : 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 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

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 2020-10-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. the Erroneous RESULT OF The XXXX  XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.

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 2020-07-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a an account with Synchrony Financial through their Amazon Store Card. The card offers XXXX XXXX back on Amazon purchases, as well as the option for promotional financing on qualifying orders. These orders allow for deferred interest for periods dependent on the amount of the order. 

When logged in online at https : //amazon.syf.com/, you can manage your account settings. One such setting is the way you want payments allocated. I have since the beginning selected the option to allocate my payments first to the non promotional balance of my account. The option reads as follows : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Almost every time I make a payment, the payment is instead allocated to my promotional balance. This results in me carrying a balance subject to interest, especially when I do not follow up with the payment. After all, I have made a selection clearly to allocate them to the non promotional balance. I would have no reason to expect it to be allocated otherwise. 

The most recent example was a payment made on XX/XX/2020, before doing so I made sure that my selection was the option I described previously. It was when I checked, but I saved it again to be sure. I made a payment for the exact amount of my non-promotional balance. On XX/XX/2020 I checked and it had been allocated to my promotional balance! 

I contacted customer service chat and had it manually allocated, but they told me gave me several unlikely explanations : that my selection would take 1-2 weeks to process ( even though there was no change ), that it was a technical glitch, and that I had selected a different option. 

Then they told me I would have to have it manually allocated each time, something they have told me before. If that is the case, the page with the allocation options is outright deceitful! 

I am tired of having interest charged or wasting my time on customer service interactions any time I want to make a payment!

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 2020-12-04
Company: EQUIFAX, INC.
State: IL
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:
Dear XXXX, XXXX  & Equifax  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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:
I am an essential worker in XXXX during this current XXXX virus pandemic. Due to circumstances beyond my control, I need to vacate a rental home of more than 13 years, and began looking for a home to purchase. The mortgage would be less than rent in XXXX XXXX. As the search began and a property was located to go and see- to determine that I was serious in the current COVID 19 environment, a mortgage pre approval which included a credit check had to be conducted or I would not be able to go and see the property. On XX/XX/XXXX a credit check revealed my credit score to be XXXX. The house I was interested in was sold before I was able to go and see it. On XX/XX/XXXX I went and saw another property, offered a bid that was accepted, and needed to go through XXXX bank for this specific residence. On XX/XX/XXXX XXXX bank conducted yet another credit check- which came back as XXXX. This score is below what XXXX bank accepts for their best rates. This drop was due only to the first credit check that was due to the COVID virus requirements to have a credit check before being able to simply see any property. This is totally unfair and does not provide a true reflection of credit worthiness. This process must be corrected and somehow flagged during this pandemic time, when this is bound to happen over and over again to others as well. My score should not be affected in a negative manner due to the requirements of social distancing and intent on real estate. I would like this to be corrected- I have worked for years to better my scores. This is yet another devastating affect of this pandemic that is going unseen. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Credit Collections U.S.A., L.L.C.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening, I am writing to ask for assistance regarding a debt that is appearing on my credit reports reported by credit collection USA on XXXX XXXX in XXXX West Virginia. I live in texas. They are reporting a debt of XXXX for Medical services for XXXX XXXX from date of service nearly 10 years ago. I have spoken to office manager twice and emailed correspondence to not only office staff, but listed manager on website. When I spoke with staff she claimed it would be transmitted for deletion XXXX nearly 5 months ago ). My final communication with them was XX/XX/2020. No resolution. Can you please assist me?

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 2023-01-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please refer to information in Body. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX  @ XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2019-07-08
Company: Midwest Recovery Systems
State: OH
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:
There is a company called Midwest Recovery Sys that is reporting information on my credit report indicating that I owe {$1100.00} to a company called XXXX XXXX XXXX. I have never heard of either of these companies. I have disputed it with both XXXX and XXXX, but I believe these companies need to be investigated for reporting invalid information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report o this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Elevate Recoveries, LLC
State: TN
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:
I got a copy of my credit report and I saw several accounts that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Elevate Reco

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After my re certification in XX/XX/XXXX, I noticed that my IBR monthly payment was too high and I don't think they accounted for my XXXX XXXX XXXX  husband in the recalculation. 

At the end of XXXX of XX/XX/XXXX, I attempted to transition my IBR plan to the revised pay as you earn plan. I was told by the customer service representative that I could get enrolled in this play after paying a XXXX   dollar fee. I was expressly told by the customer service representative that I could make this payment to get the process started. 

I went online and payed the required {$5.00} dollar fee on XX/XX/XXXX expecting to get the process started. I have confirmed this date with my bank account. I was told at that time over the phone that it should take approximately 6-8 weeks. I have a letter dated XX/XX/XXXX that requested this {$5.00} dollar payment. 

I think I had additional call in the meantime checking in but forgot to document it. I have had such poor customer service that eventually I started to document my conversations. 

On XX/XX/XXXX @ XXXX I called Fedloans regarding my forbearance. I talked with XXXX ( employee # XXXX. ) She told me that my XXXX dollar reduced payment forbearance had not been processed yet. She told me that she released it so that it would be processed in 20 days. I was still on forbearance. I requested that she send something in writing regarding my next payment due date and that my plan had been processed. She told me the email would take 20 days to process. 

On XX/XX/XXXX, I made another payment for the {$5.00}. I am not sure why I had to make an additional payment. I have this payment documented in my bank account. 

Eventually, after multiple phone calls I was approved for revised PAYE in XX/XX/XXXX. I am filing a complaint because the inaccuracies and inconsistencies given to me by fed loans left me in forbearance from XXXX to XX/XX/XXXX. I am attempting to go for PSLF and it makes a difference as I wasn't able to claim any qualifying payments but was accumulating interest. I attempted to work with fedloans to make sure the process was happening but was given inaccurate information that has allowed thousands of dollars to accrue on my account. 

I think it is unfair to keep consumers in administrative forbearance due to the incompetence of the Fedloan servicing at performing their primary function. Unfortunately, in order to get PSLF I have no choice but to use this servicer. This is not the first time I have been placed on administrative forbearance because of problems related to fedloans management of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 Account Name XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX Bank # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX # XXXX According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-04
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ERC, as well as as XXXX  XXXX are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

This double-dipping in credit reporting has had a significant, negative impact on my CBR.

Company response to consumer: Closed with explanation