BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is about GC Services ( XXXX XXXX ). I owed the XXXX XXXX XXXX XXXX XXXX based on 2 civil assessment fees and a XXXX XXXX  ticket ( civil assessment fees were added due to the courts receiving the corrected violation late, but they had received my payment of {$25.00} ), for citation # XXXX. I explained to the debt collection agency that my debt had been resolved, due to the passing of XXXX XXXX, which removes all civil assessment fees prior to XX/XX/XXXX. After hearing of XXXX being passed, I contacted the XXXX traffic court in early XX/XX/XXXX, to confirm of the debt removal and they have confirmed no debt was owed. Today, XX/XX/XXXX @ XXXX, I was contacted by GC Services regarding the debt of {$620.00}, where I was told I still have a collection against me for the {$620.00}, after i explained the situation, they reviewed my debt and rejected my request for review. Shortly after receiving their call, i decided to call XXXX traffic court again today at XXXX, which resulted in the court once again letting me know that i have no outstanding debts and have not had debt since XX/XX/XXXX, so the citation was considered paid and closed. At XXXX i called GC services back to report what i had been told by the court and they refused to close the collection. This company is calling me attempting to collect money which has already been paid/removed from my debt due to bill XXXX and the XXXX courts XXXX I have no debt to be collected. Once again, they are trying to collect money that has already been paid and refuse to close my collection. If i had paid them, I probably would not have gotten my money back and if the courts already deem it as paid, how can they legally collect that money from me. If i hadn't paid attention and done my research i'd be out {$620.00}. GC Services needs to be looked into to make sure they aren't collection on paid debts for people all across the country, which would be considered Fraudulent Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 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 2023-02-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

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 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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Incorrect information reporting on 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 2021-12-15
Company: EQUIFAX, INC.
State: OR
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 XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
Someone used my identity to try and gain an auto loan at 4 company 's on XX/XX/23 only one company has been good about removing the inquiry from my credit report. The other have either given me a hard time ( Capital one ) or they have tried to help but not sure whats going on now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: WI
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:
I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Financial Service Center of Ohio, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a customer at the XXXX, XXXX XXXX location and I have been taking for a ride. Meaning when I initially took out a loan back in XX/XX/2017 I was not made aware by any XXXX ( former XXXX XXXX professional that I had other financial options - i.e. XXXX XXXX opposed to a title loan. Atop of that ommission - they told me I had an additional {$500.00} I could use for holiday but failed to tell me my payment would double. I am a former XXXX  XXXX w/ XXXX Department of Treasury and are thumbing thru the XXXX at this moment. If you can give some pointer please let me know to void or at least lower the payments of this ... financial swindling I have inadvertently fell into. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 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 168XXXX

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 2021-07-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Shellpoint will not provide me a designated representative. My representative is supposed to be XXXX XXXX. 

Shellpoint is falsely stating that they can not reach me. I have asked my designated representative on the phone to communicate with me via email. There is along email trail demonstrating that is it false when Shellpoint says they have made several attempts to contact me unsuccessfully. 

2. Shellpoint will not communicate with me directly at XXXX. 

XXXX. Shellpoint is unreasonably alleging I need to contact them bi-weekly by phone. If they will not honor, their own written statements, I do not have any chance if they are not willing to put the options in writing. 

The reason this is important for Shellpoint to try and claim that I am not being cooperative is because I made the trial plan total payments. But, Shellpoint sent a conflicting statement and used their error to allege that I did not complete the trial payments for the modification. I contacted my designated representative about the conflict. He acknowledged and said that he would speak to his supervisor. When Shellpoint never responded back to me, I paid the alleged difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

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 non-monetary relief
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
TransUnion notified me of a fraudulent account set up with XXXX XXXX XXXX XXXX in a version of my name and using my SSN. The letter stated that I had the right to contact the company for more information. According to The Fair Credit Reporting Act I have the right to " obtain documents relating to fraudulent accounts or transactions from a creditor or other business ''. XXXX XXXX XXXX XXXX  refused to provide documentation. Then XXXX XXXX XXXXXXXX XXXX  will not provide the information and states I must provide a XXXX  via an attorney. 

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION of The Fair Credit Reporting Act. 

Why have The Fair Credit Reporting Act if we do not require companies to abide? 
Why have The Fair Credit Reporting Act if companies, entities, government, including CFPB, only protect the frauds???? 
The Fair Credit Reporting Act appears to mean nothing accept that consumers receive free credit reports. 
The only way to stop all the fraudulent activity in this country is to actually uphold the laws and acts. Start helping victims and stop protecting the frauds!

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 2021-12-15
Company: Experian Information Solutions 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, XXXX XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( 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. 
As a consumer, I am demanding a deletion of the following account : 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 2021-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I had purchased a couch from XXXX XXXX  and had created an account through synchrony bank and weeks later before my payment date I had tried to pay off the card but the first payment was cancelled as shown through their service so I had went ahead and put in a additional payment to insure the card was payed off as I am one with crystallized intelligence and memory is a struggle. The day after I was charged double for the account without any form of notice for a over charge and was only garenteed a check through the mail which seems very shady and there was no amount of further help from the company to insure the funds were safely added back into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am writing to file a formal complaint against XXXX, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with XXXX, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. XXXX 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, XXXX has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification. 

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports. 

XXXX 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, IN 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