BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
State: CT
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 this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Affirm Holdings, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Showing unpaid when it was paid in full affirm still reporting when its been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, Equifax and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX  Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Their investigation did not fix an error on your report

Complaint:
In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert.

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank 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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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, XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
BOA contacted me on XX/XX/XXXX with a fraud alert which let me know my identity and credit card accounts had been compromised. I immediately responded, cancelled the card, filed a police report and froze my credit. Then later that month the thief opened a BOA checking account in my name and on XX/XX/XXXX took a {$2100.00} cash advance from my BOA credit card and had that advance deposited into a new fraudulent BOA checking account that was opened in my name without my permission online WITHOUT an ID. I didn't know any of this had happened until I received a BOA Debit card in the mail on XX/XX/XXXX. I immediately drove to a BOA bank to close the fraudulent checking account and finally on XX/XX/XXXX the {$2100.00} was transferred from the fraudulent checking account back to the BOA credit card. Yesterday, over 4 months later I received a BOA credit card statement showing I still owe the {$2100.00} cash advance and now they are charging me interest on the advance that I never made. I have been through several rounds of disputes and am unable to get anyone at BOA to review the clear documentation and fix the errors that BOA has made and are still trying to charge me for. BOA treats victims like criminals. After being a loyal customer for 25 years, they have done nothing to protect my personal information, they have caused my credit scores to drop and they are fraudulently reporting the current balance that includes charges I never made to the credit bureaus while the disputes are still in review 4 months later.

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 monetary relief
Consumer complaint received 2021-12-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XXXX, I consolidated my student loans through myfedloan.org. The loan was originally from XXXX. Myfedloan " overpaid '' the amount that was due and never bothered to note the issue. XXXX made an adjustment and myfedloan never noted the adjust of {$500.00}. I have tried to call, call, call, email and write on their twitter handle to no avail. 

This company is committing pure fraud and trying to basically " steal '' money from me and I'm sure millions of others as well. The federal government should take serious company because their business practices are very unethical. When XXXX made an adjustment, myfedloan ignored the adjustment. 

Please reprimand this company and their shady business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amazon.com uses Synchrony to manage its store credit card. Amazon offers its customers interest-free payments for purchases. However, when customers go in to pay their monthly credit card online, there is no disclosure by Synchrony listing the amount due to avoid interest charges. It only lists the minimum due and the total due. Also, on Synchrony 's hard copy account statements the amount due to avoid interest charges is not listed.

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 2019-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
inquiries i do not reconize XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  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 2023-01-04
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use XXXX, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my XXXX score was XXXX, I told him he wasnt being honest, and emailed the XXXX score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.

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 2019-09-11
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed police report and sent them a signed affedavit showing i have been a victim of identity theft for two seperate accounts.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an FTC report also an ftc affidavit and got it notarized i hope this helps

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 2021-12-13
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Equifax with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX  on multiple occasions but they were never able to fix the issue. 

In XX/XX/XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from 660  to the 750 range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your 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 2023-04-17
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'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 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 2021-12-13
Company: EQUIFAX, INC.
State: PA
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:
It is with grave sadness I am writing this complaint against Credit Bureau, Equifax. Everybody knows how important credit report is. Well, I disputed bankruptcy items on my Consumer Report with Equifax on XX/XX/21 and again on XX/XX/21 and Equifax kept on being deceptive and failed to honor the state and Federal law concerning their responsibility regarding Consumer 's Right to privacy, etc. on one 's credit file. On 12/11/21, Equifax sent me another reply to my dispute saying they verified the report as correct. 

Equifax lied! They had no way of verifying my information as correct because I had placed a Security Freeze on my file since XX/XX/21 and the freeze is still in effect. Equifax has essentially violated my rights as a consumer, violated the FCRA rules, and violated the CFPB rules. I am asking this office to have Equifax delete such negative record permanently. I did not give my consent for any of the parties involved to access, share, sell or manipulate my personal consumer information, under the law. If you have further questions or concerns, please contact me by email or by telephone as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX 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 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