BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: AMERICAN ADVISORS GROUP
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:
This complaint is in regards to a HARD CREDIT CHECK done WITHOUT MY PERMISSION -- I ONLY ALLOWED A " SOFT '' CHECK FROM THE THREE CREDIT REPORTING BUREAUS, The complaint is against the company, AAG /reverse mortgages. 

When told that a credit check was required, I asked THREE TIMES if theis check would be a HARD check, and THREE TIMES, I was told NO nO. 

After allowing this check, I was contacted by XXXX and my score dropped IMMEDIATELY FROM XXXX TO XXXX, BASED ONLY ON THAT CHECK BY AAG. 

AAG says they have the 88 minute conversation on XX/XX/2019, where they were given permission to do a SOFT CREDIT CHECK. 

SEE ATTACHED RESPONSE FROM AAG, SENT XX/XX/2019 FOR THEIR RESPONSE TO ME, NOT TO THE CFPB. so I am filing a NEW COMPLAINT against AAG, for them simply to authorize the THREE credit reporting bureaus to DELETE that HARD check on XX/XX/2019 see the attached, 3 page letter of AAG 's RESPONSE, NOT SENT TO CFPB AS THEY REQUESTED. 

SEE ATTACHED 3 PAGE LETTER

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 )  XXXX XXXX {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-11-25
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received cash app visa in the mail that I never applied for. Cash App / Square Inc. does not have a phone number and I do not want to give them my information to get them contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: MS
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:
On 7 separate dates XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my Experian and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, Experian and XXXX  have failed to do so. I have sent several requests to Experian and XXXX requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.

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 2023-03-08
Company: EQUIFAX, INC.
State: SC
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:
I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate accounts are reporting on my credit file : 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 explanation
Consumer complaint received 2017-08-07
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was shocked to learn that Synchrony bank closed my account on XX/XX/XXXX, not because I wasn't credit worthy, or because my balance was past due, but because two auto-draft bank payments in XXXX and XX/XX/XXXX ( my account was on autopay so I didn't miss a payment ) kicked back. I wasn't even aware there was an issue and was never notified. I spoke to a representative who could not help me, and then a manager who said their accounts automatically close on customers the second time a bank draft kicks back. Even though again, it was 4 months ago and I was never notified of an issue. I also paid the company for missed payment insurance through them which now in hindsight seems like a scam as my spouse did lose his business due to covid-19 and we pay from a joint checking account. Ironically, his account is still open. They never asked me about this insurance coverage or to apply it, this closure came out of nowhere. I just took it off autopay because I don't know what else to do, I even offered to pay it off ( full balance ) and they still declined to restore my good standing. This does not feel right, it is not fair to blemish my credit without giving me any opportunity to make it right or resolve the issue.

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 2023-08-15
Company: T.S. Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company is titled IQ data international. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires are fraudulent 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Real Time Group, 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 have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ). 

XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. 

I have requested XXXX  to notify myself in writing, with a copy to RTR, confirming that XXXX  ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX   but they continue to fail and refuse to do so. 

I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX.

However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago.

I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. 

Further, RTR should b e held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: MD
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 have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.

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 2021-05-20
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Southern Management. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted 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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Money was taken out of my account without proper notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts with zero responses from the bureaus. I sent first class mail on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

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 2019-02-19
Company: CarMax, 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've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I opened a venmo business account per their instructions to sell off a few personal items, and after the first transaction, they locked my account unless I gave the all invoices, customer personal information including what was purchased and where it was shipped and the names address and phone numbers and tracking numbers for said purchases. This is nowhere in their disclosure or is it material information that they need for any reason that they could give. I have never had a financial institution ask such questions. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
Investigation did not fix error

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