BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Possible Financial Inc
State: MD
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:
I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of, XX/XX/XXXX, my XXXX and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. XXXX needs to hold Possible accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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

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

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 2022-10-17
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:
XXXX XXXX XXXX XXXX # XXXX they have a balance of XXXX and the company is giving me two different balances one is XXXX Trans Union as account # XXXX, the company as XXXX I have sent a complaint regarding this issue, and have not been corrected. I have sent the issue to all three credit report agencies, and the only one that didn't remove it from my credit report is trans union. XXXX and XXXX deleted it off my credit report, but Tran Union hasn't. they sent me a letter saying that it is verified, but nothing was changed on my credit report. I sent documents showing proof the information was incorrect, but they didn't fix anything, and nothing was changed. I need them to fix the issue. 

XXXX XXXX : # XXXX, XXXX, XXXX, XXXX XXXX  : XXXX, XXXX, XXXX XXXX, XXXX, XXXX All of these accounts were in forbearance ; they were never late and were under a law suite the payment was on a freeze. I have sent them letter after letter they still have not corrected the issue and never fixed it on my credit report. They show they have the account twice on my credit report with two companies. I want them to resolve the issue. They sent me a letter saying they Verified but they didn't do anything to fix yet XXXX has fixed it. 


If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2021-12-15
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I called all 3 credit bureaus and was told that I had negative information on my credit report from old bills that were still reporting as delinquent even though it clearly shows the bills were paid in full. This is having a detrimental affect on my ability to buy a home due to an artificially low credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing this letter to give you notice that i AM OWED {$16.00} in rewards from American Express for purchases made on XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX from their merchant XXXX XXXX XXXX WA ( also known as XXXX Fresh located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ). This location has been mis-categorizing purchases made on my XXXX XXXX XXXX American Express XXXX XXXX XXXX occasions. On XXXX XXXX, XXXX American Express credited {$11.00} for my purchases made XXXX XXXX and XXXX XXXX but don't be fooled because this covers only a small portion of the cashback rewards they promised. The merchant continues to not categorizing the purchases as XXXX XXXX. Because of this mis-categorization of 1 %, the promised reward of 6 % has been denied. 

This complaint is to ask for the 5 % differential monies of {$16.00} owed for my purchases listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-11-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting 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:
ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
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 2023-03-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 at XXXXXXXX XXXX EDT, I called CC Customer Service to make a payment. Spoke with XXXX, no Agent ID is provided. I requested fund allocation in a specific way because there is no option to allocate the funds as needed on the CC website available. I specified and confirmed several times before the end of the call that my request is understood and will be completed as requested. I was assured that the payment will be allocated as I requested. The confirmation number is XXXX. Today, I checked the transaction and found out that the funds are not allocated as I requested. I paid {$500.00} toward two promotional charges that will expire on XX/XX/2023 : {$59.00} and {$440.00}. However, today I see that {$59.00} is zeroed out as I requested but {$440.00} is not, and accrues interest for each day the charge is not paid. The funds went toward regular, non-promotional charges, which I did not ask to do so. My due date is the 21st of each month and I specifically asked not to apply payment toward monthly payment because I will make another payment prior to the due date. The agent assured me that the funds will be allocated as I am requesting 100 %.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-01-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had 2 Synchrony accounts. One was Care Credit they gave me in the beginning a {$14000.00} limit, then went down to {$6000.00} then {$4000.00} then they closed my account without notice. Doesn't matter the balances or credit lines here, ... LOWES synchrony card beginning was roughly a {$4000.00} line then went down to around {$2000.00} don't have exact figures in front of me. My point is they closed both my accounts without notice I am continuing to pay the balances as promised. They blamed it on my credit score going down. There are literally thousands of other people ( consumers ) they've done this to no warning. Same explanation. This has caused a very negative impact on my credit report because it shows " closed by company '' And Not " CLOSED BY CONSUMER ''. This is unfair business practices and it has really affected my life in a very detrimental way. I want to sue them! This is wrong! They need to be punished!

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: NE
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:
Transunion has reported that I am deceased. This is the second time they have put a deceased alert on my credit file. When I asked who provided this information, I was told they do not know. They legally have to know the data furnisher of this information. This needs to be removed and Transunion is just as responsible as the data they furnish ; therefore, they need to verify someone's living/deceased status prior to placing this information on my credit file. For this reason I am unable to access my credit file online.

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 2017-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by a man XXXX ( the XXXX ), XXXX was transferred from my account via cashier checks in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Moiharwin Diverisfied Corporation
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: Account information incorrect

Complaint:
Vegas Valley Collection Service ( VVCS ) alleges I owe {$1000.00} to the originator XXXX XXXX for a medical debt. 
I requested evidence and substantiation of this debt in a timely manner, but XXXX already made a negative collection report to one or more credit reporting agencies as early as XX/XX/2021, but did not provide me any documentation until XX/XX/2021. They ignored my requests to validate the debt and dispute of it in accordance with the FDCPA sections 807, 808, and 809. As of XX/XX/2021 VVCS continues to report the debt is valid, effectively ruining my credit score, cost of credit, and increased material costs because I have to abandon my projects until this dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax continues to report false information on my credit report although a Police affidavit and dispute form was received. EQUIFAX responds by saying that the account is verified and will remain on file. I requested information that was used to verify the account but nothing was provided. I reached out to the creditor of the account and they provided their response. According to the creditor, because my social, XXXX, and name was entered correctly, the the account was correct and they will not accept my dispute as fraud regardless of the police affidavit stating that I was a victim of ID Theft. They provided the same information to me that they provided Equifax and CFPB, and none of it can show proof of ownership or purchases. The only thing that can be " verified '' is my person information and the fact that the account was used for a week and charged off a year later by providing billing statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX 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 explanation