BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


3. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 2021-01-30
Company: ERC
State: MI
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:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX  as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had severe XXXX XXXX pain which I was not aware about it before on april 1st and hence I went to nearest clinic urgent care from my work place. Now this place doctor was so XXXX  and rude and XXXX  he behaved in such a manner that anybody in this world shouldn't receive treatment like this in their worst moment. Thank god the nurse on that day was so nice she gave me XXXX  before I run away from this urgent XXXX XXXX XXXX. I had to go XXXX hospital near to my home and get everything done. Now this doctor charged me and insuarnce paid him including my part as deductible even though very same day XXXX XXXX I called and told them to not to give any single penny because of his behavior. I again called XXXX  to tell them this doctor has put on my credit debt and trying to collect my deductible by Remex Inc, so XXXX  called me back and said they are reviewing my case by their own physician as many of the test that are filed by this doctor are false. XXXX  gave me reference number XXXX to give to Remex Inc debt collector so as to tell them until and unless the review is completed they can hold my debt which is XXXX$ deductible so as to not to ruin my credit. And this is not about the money this is about the way doctor behaved to me while I was XXXX  down on the floor and was not even able to XXXX  properly he came inside and just started yelling on me. I even asked the nurse for another doctor but there wasn't any. Remex inc against whom I want to file the complain as they are trying to please their client while collecting the debt emphasizing on the deductible part whereas currently the claim is under review by XXXX physicians. Unless resolution comes which is either my side or doctor's side they are not suppose to collect anything and I even said I can tell my insuarance company to send you the letter but Remex Inx's supervision Ms. XXXX  was not ready at all to listen and trying to emphasize they dont care and they have to retain their client like this doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions 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 ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE

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 2021-09-14
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Before accepting the loan agreement, while on the phone, I was told I would have an APR of 7.94 % for my principal loan amount of {$1100.00}. I did the signing portion electronically. The agent still on the phone with me instructed me to quickly sign the documents before I had time to read through to have her manager confirm my application fully. Once signed, I was told I'd receive my funds at the end of the business day on XX/XX/2021. When I downloaded the copy of my borrower agreement, I read that the APR is 794.959 % instead of 7.94 %. I can not afford that. I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
SYNCB/CAR CARE SYNCARE SYN CRE reported on my credit score that I did not pay my bill and wrote off the amount left to be paid. I called the company 4 times to try to find out how my name was associated with the account and if it was my bill, why hadn't I been informed that I owed the company money.

I spoke with representatives in customer service on 2 occasions a year a go and they were unable to find my name or social security number any where in the system. I spent hours on the phone with these patient women who really tried to help me but never could find my information. I tried again a few months ago but could not get beyond the automated system since I am not in it, I can't get information.

After hearing about your organization I thought i would try again. Once more I could not access a human.

The only reference I have to the account is that I am listed as a co-signer with XXXX XXXX. I was to be taken off of the account but had never received a bill or any notices from the bank. I was able to find a partial account number but nothing else. 

I, as seen on my credit report have always paid my bills on time, without missing payments ever. Can you help me? I want to resolve this.

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 2023-08-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Experian Credit Bureaus have reported a charge off from XXXX XXXX with inaccurate dates of last reporting and last date active : XXXX EXPERIAN last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-18
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DEPT OF XXXX, XXXX, DEPT OF EDUCATIONXXXX, DEPT OF EDUCATIONXXXX, has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I disputed a charge of {$100.00} with XXXX XXXX on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made XXXX XXXX recharge me without the service available. That's fraud. And XXXX XXXX will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing XXXX XXXX of stealing my money. But yet while trying to get this resolved with XXXX XXXX, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by XXXX  XXXX. And XXXX XXXX blames Google play.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
TRANSUNION has deleted inquiries from my consumer report as a result of identity theft, which they were suppose do to according to the Fair Credit Reporting Act. However, they did not compensate me for inaccurately furnishing information on my consumer report. Deletion of these items ( listed in the attachment below ) is admission of liability. According to the Fair Credit Reporting act, TRANSUNION willfully failed to comply with the requirement imposed under such subchapter and is now liable to me ; the consumer, for $ XXXX per deletion.

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 2020-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XXXX, XXXX and XXXX of XXXX my Bank, Wells Fargo, failed to make monthly payments of {$500.00} per month to my credit card company XXXX XXXX, whom I had a 30-year relationship with and a Platinum Card. Wells Fargo did so in error, and did not notify me. It wasn't until XXXX cancelled my account and filed credit deficient reports on my credit that I was made aware. I asked Wells Fargo to repair the problem, but all they offered was the attached letter of apology. Since then, On XX/XX/XXXX, XXXX XXXX filed a lawsuit against me for the balance of {$9800.00}, but more importantly, completely ruined my credited. I lost my job and was unable to recover the XXXX account as the penalty interest multiplied. ( On top of this, Wells Fargo opened new accounts in my children 's names without my permission, further devaluing my credit, but this was already handled ). If I do not pay XXXX XXXX at {$3800.00} by XX/XX/XXXX, I will have a judgement lien filed against me, my credit permanently damaged and possibly lose my home.

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 2023-11-11
Company: PNC Bank N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attempted to schedule payment for the credit card on two days before payment was due. Payment source comes from the checking account with the same bank. Website did not allow me to select the due date of the payment, instead only allowing me to select the day following the payment ( which was 3 days from the current day. ) I had never seen this before as normally I could select payments even the day of as long as it was before XXXX. I selected the earliest date available, with ample funds in my account to cover the cost, and figured since that was the earliest day they offered they certainly couldn't blame me for the payment. 
They proceeded to charge me a late fee and interest on the total amount of the card, amounting in total to ~ {$50.00}. I called them and attempted to have this resolved. They elevated it but eventually told me that I should have called them when their website wouldn't allow me to make the payment on the due date, and that they would not be refunding me the fees. This is ridiculous of course - their website failed ( and continues to fail, I verified this new " 3 days out '' payment limit is still in place as of early XXXX ) to provide me the correct date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My wallet was stolen maybe 2 months ago and since then my credit has been ruined because after having fraud alert on alll my accounts- It was impossible to pay for almost anything without having my card denied and I totally spaced on this account. If you guys could do me a solid and let me pay it off in full Because I really am homeless now I lost my apartment and Im trying to apply for one but my credit its just ruined

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 2019-09-20
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:
Equifax and XXXX are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation