BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

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 2020-09-21
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize credit pulled.

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 2021-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted my Bank ( Huntington Bank ) on XX/XX/2021 about fraudulent/unauthorized charges amounting to {$520.00} in charges, and an additional {$610.00} in overdraft fees resulting from the fraudulent/unauthorized charges. I was told I would receive provisional credit until they investigated and came to a conclusion and that I would be notified of the result. I received XXXX in provisional credits and {$610.00} in overdraft fee refunds ( not listed as provisional ). On XX/XX/2021, {$210.00} in overdraft fees were reversed without notice. Due to the reversals, and incomplete refund for unauthorized charges my account was overdrafted again. The overdraft and NSF fees amounted to an additional {$360.00}. I have yet to receive any written correspondence about the reversal of the overdraft refunds, and the remaining amount of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: United Collection Bureau, Inc.
State: IL
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:
Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I was unable to open a bank account due to the permanent freeze Experian has placed on my credit. 

A few months ago I ask them to remove the freeze permanently, but apparently it was for only 30 days. 

Although I appreciate the protection, I can not log onto account or reach them by phone ever.

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 2022-12-21
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was XXXX XXXX XXXX XXXX XXXX XXXX. I did have insurance and they told me they submitted everything through insurance which insurance said they had not. I only ever received XXXX bill I contacted them attempting to make a payment plan even though it was not processed through insurance properly. They said I would only have 12 months to pay and I would owe over {$1000.00} a month. I then made a payment and never received another bill again until now seeing this XXXX my credit. This is absolutely XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: GA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Since XX/XX/XXXXAfter being denied a loan due to what was reported on my credit reports I have been trying to get my reports information correct I received a letter from transunion dated XX/XX/XXXXwith their version of my corrected credit information It has on there a XXXX XXXX XXXX inquiry it states that the inquiry was put on my transunion credit report on XXXX If transunion reviews my XX/XX/XXXX report as I have a copy of it. 
THERE WAS NO XXXX XXXXXXXX XXXX inquiry made on XX/XX/XXXX On my XX/XX/XXXX report BUT TRANSUNION sent me a XXXX credit report copy that has XXXX XXXXl inquiry of XX/XX/XXXX Why is 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 2020-09-21
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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2022-10-05
Company: Byrider Franchising, LLC
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 information incorrect

Complaint:
Never updates payment history. Showing balance when the account has been paid in full. Reports to credit a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
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 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 explanation
Consumer complaint received 2023-03-19
Company: National Collection Systems, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I got sent a letter just now saying I owe money I never got into classes to get charged I dropped any classes that were originally sign up for I never took any courses I WILL not pay for somthing I never took. 

PLEASE remove this debt.it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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. 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, 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 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 2017-12-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, 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 2020-07-29
Company: Carvana Group, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So my debt was transferred from XXXX to pallino asset management. At that time back in XXXX I worked out a deal with them to pay the debt. {$890.00} was owed and I paid some thing like XXXX. The debt was cleared and everything was fine. Almost 2 years later in XX/XX/XXXX I received a letter from Paramount recovery systems saying I owe {$890.00}, the same amount that XXXX XXXX XXXX said I owed. When I contacted Paramount recovery systems they said I needed proof from XXXX XXXX XXXX that the debt was paid if I were to have it removed from XXXX XXXX because they said XXXX transferred it over to them. No matter what time of day what day of week or anything I called, I wait on hold and then it goes to voicemail. No one answers ever but it also says they are open. No one calls you back, nothing. If you XXXX them, every review on there also says they are always closed. How am I supposed to get record of my payment if you cant get anyone on the phone ever? Its absolutely absurd that the CFPB would allow a company like this be in business if consumers issues are not addressed. This has caused damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2020 I was shopping for a mattress at JC Penney website. Looking at a great mattress that we loved, we thought it was a bit high in price. However, at the bottom of the offer, it stated that if i open a new JC Penney card i would get free financing for 12 months and a 15 % discount. 
Given that I have an almost perfect credit history in the 820s, i figured this is our way to get the price we were looking for, and also pay it along. 
So initially i applied and got an answer that i would get an answer in 5-7 business days. I called the JC Penney number as i was in the process of purchasing, and usually at the store they approve it on the spot. They transferred me to Synchrony Bank which told me that i was rejected. I asked for a reason, they said i would have to wait for the physical letter to see the reason. I reminded them i have very good credit, and that i wanted to take advantage of the offer. There was nothing they can do. 
Then, as an alternative, my wife that has about 816 point credit rating applied too. The same happened to her. She was not accepted online either and therefore no discount or financing offers for us. 
Last week we each received a denial letter from Synchrony Bank. Our application was denied for the following reasons : High Risk Source of Application Is that JC Penney website? Why does Synchrony advertise there then, it sounds like false advertising either from JC Penney or from Synchrony? It got me. 
We have not lost jobs, we do well financially, and our credit is impeccable. 
I believe the risk is probably with JC Penney and Synchrony, as most likely we'll pay the cost eventually without extra fees and go over the time limit for the offer for late fees and penalties.

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