BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: WA
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 XXXX I had to re-dispute wrong information with Experian, that was placed on my credit report regarding a car loan I had, through a company by the name of XXXX XXXX   XXXX sending them a letter from XXXX   XXXX, showing proof that it was paid off. XXXX XXXX reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted Experian, XXXX, XXXX, and the lender XXXX on XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from XXXX XXXX, to on-time payments. While Experian concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my Experian credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my Experian report from XXXX XXXX on XXXX. Although on all three credit reports, it now shows that my old car loan with XXXX XXXX is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why Experian or XXXX XXXX is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by Experian and told they couldnt do anything because XXXX XXXX reported the late payments as being accurate, yet XXXX XXXX insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems Experian isnt following proper protocol, adding false information 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 2017-12-10
Company: SYNCHRONY FINANCIAL
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:
The company XXXX XXXX XXXX continues to file fraudulent inquiries on my credit report. I written a letter to the company directly informing them to stop reporting unauthorized inquires on my credit report and that it was against the law to do so. I have not gotten a replied to the certified letter that was mailed direct to XXXX XXXX XXXX here located in XXXX, Georgia. XXXX  XXXX XXXX has violated the law just recently again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This has been a unwarranted pattern and something needs to be done. This behavior is and has affected my credit with hard hits and negative blemishes. I am also filing a report on all levels because they are breaking the law.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 open items on the credit report : An auto loan of {$6700.00}. Home mortgage loan of {$300000.00}. TransUnion should delete any remaining items from the reports as they are false/defamatory.

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 2021-03-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello on XX/XX/2021 your company had no consent to run my Credit, I'm in the process of building my credit and have no desire to apply with for a credit card with your nor have I heard of the company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
the problem was XXXX XXXX XXXX sold my account to Carrington mortgage services.llc the deal that went down is what I can't understand, after Carrington services.llc brought the mortgage -they analyze my mortgage and found that some how I owe XXXX, coming from XXXX XXXX XXXX not paying for my ins . on my house, and I call XXXX XXXX XXXXXXXX and they said they made the last payment before they sold my account.so if XXXX XXXXXXXX XXXX did what they say did, who fault is that.they brought my account without analyzing the account they own that misstep.be mind as all this went down I was in bankruptcy. 


my transfer date was XXXX I want to know is their any for remedy for this misstep.i mean can Carrington make pay for they folly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
SOMEONE STOLE MY DRIVER 'S LICENSE, USED IT TO GET A DL, AND GOT TRAFFIC CITATIONS IN MY GOOD NAME, IN THE STATE OF UTAH USA. 
UTAH TRAFFIC CITATION # XXXX, ON OR ABOUT : XX/XX/2021. 
AND CITATION # XXXX, ON OR ABOUT : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Georgia Student Finance Authority
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company, XXXX XXXX XXXX XXXX XXXX XXXX is collecting money on behalf of the Georgia Student Finance Authority. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Truist Bank is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: CITIZENS FINANCIAL GROUP, 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: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2023 someone opened up a citizens bank account using my information. Citizens sent me an actual debit card with my name on it than they sent me a letter stating they were unable to verify information provided on a credit application. I have called citizens and informed them and they closed the account. On XX/XX/2023 there was two charges on my XXXX XXXX XXXX credit card ( this is a card I often use ) in the amount of XXXX from XXXX, I contacted XXXX XXXX and they refunded me the amounts and sent me a new card. I am reaching out to you guys in hopes that my credit does not go down or any inquiries on my credit get effected, Im hoping that Ive caught this in time, please let me know what other matters I should take. I have checked in my XXXX XXXX app that there has been nothing else charged or opened but I dont know what else I should be expecting here in the future with this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Informative Research
State: CO
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:
Hi so I just saw a new inquiry on my credit report that I have never authorized to do so. I dont even know who this company is or why they are trying to access my information when I never said they could or have even talked to this company! The inquired on XX/XX/19 The name of the company is informative research XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of alleged debt twice from BUSINESS PROFESSIONAL SERVICES.I have no contract with BUSINESS PROFESSIONAL SERVICES and there is no debt owed to them. The first request for debt validation was sent on XXXX and was responded to on XX/XX/XXXX. A second request with detailed information including the full name, senders return address and last 4 of social security card number. BUSINESS PROFESSIONAL SERVICES responded with an identical copy of the first response, requesting information already provided. As well as a clear decription of the documents requested by sender, possible violations by BUSINESS PROFFESIONAL SERVICES, with ample opportunity to remedy. BUSINESS PROFESSIONAL SERVICES has potentially violated 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others I will be contacting the Securities Exchange Commission as well regarding this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: Diaz & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt. 

Collection agency has failed to adhere to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want these items removed i sent a attached a police report XX/XX/XXXX2020 for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank Merchant XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel

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 2016-12-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Nationstar for over a year to try to modify my mortgage loan which was interest free for 10 years. However, the principal will need to be paid starting in XX/XX/2017. The principal payments reflect payments for a 20 year loan. I can afford payments on a 30 year loan. The current loan has been sold to a private lender who does not participate in the making homes affordable program. An additional issue is that there is ~45 % equity in the house. My husband was diagnosed with XXXX at age XXXX. This caused financial ruin for my family. I need help finding a way to refinance this loan so that I can keep my home for myself and my children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Well ut was a wells fargo account opened in my name due to fraud and i try to open an account but they want let me i tryed to fix the issue but getting no help

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 2019-08-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Got the loan for XXXX around XX/XX/2018 and had pay XXXX a month (automatically debited every two weeks XXXX ) cash central kept closing the accountant with no balance or reporting the balance has over XXXX   and also payment history was not reported correctly on my credit too were I disputed 4x’s for them to fix. They finally reported this month a late payment with an increase of XXXX on my credit. That dropped my credit score almost 150 points. I called the credit company (XXXX) to remove this from my credit and was told I had to ask Cash Central to remove. Needless to say Cash Central haven’t fixed anything, and when I have talked to them numerous times to get an explanation or get a breakdown of were the XXXX a month is being applied ,they haven’t provided anything nor answered my questions. They hung up on me (disconnected from being told once I call back) numerous times as well. So fed up with them taking XXXX a month and miss leading reporting to credit bureaus and balance is never going down just up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I reached out over 30 days ago and have not received any response or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX from 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 an account without my written instructions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I don't recognize this account ; and I have never been applied for a Credit Card from XXXX XXXX XXXX, this account is a Fraudulent account. 
Failure to conduct a reinvestigation ; request for damages under the FCRA

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS IS BEYOND RIDICULOUS. I DON'T KNOW HOW THESE CONSUMER REPORTING AGENCIES CONTINUE TO GET AWAY WITH REPORTING INFORMATION WITHOUT PROVING ANYTHING. I KNOW FROM READING THAT I AM THE ORIGINAL CREDITOR SO HOW CAN THEY JUSTIFY THEIR ACTIONS.

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