BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: TN
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:
Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: MD
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 have contacted Experian, 4 different times by certified mail on accounts and inquiries that were not mine and asked for a investigation. I also ask for methods of verification and original documentation tying me to this debt which they never provided. One letter was sent XX/XX/XXXX, two on XX/XX/XXXX and one on XX/XX/XXXX. Experian sent two letters but not one dealt with the issue.

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 2020-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was victim XXXX XXXX and was take to hospital all expenses were part of a claim with NJ victim comp fund claim # XXXX this company did not submit bill in a timely fashion and claim is now closed I am not responsible for this bill

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 2016-11-29
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a dispute with US bank concerning an illegal credit inquiry that was done on XX/XX/2016 at the bank located in XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IN XXXX. You will see from the correspondence that I sent a letter with other documents/Inquiry Removal form stating this negligent act .I have also called on three occasion and spoke with different representatives and still this matter has not been solved. 
What the bank have done with respect to injuring my credit, however, is absolutely unacceptable. I have learned from the Credit Bureaus, in the course of seeking to procure a loan that they have placed a hard inquiry on my credit report record with the major credit-reporting companies used by merchants and lenders all over this country. Because of this action, my credit is questionable for a loan approval, and I assume other credit will be withheld from me .I have been diligently working to repair my credit score and this recklessly indifferent act by an improperly trained person at the bank has caused a serious problem for me.

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 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have a {$25.00} girt card and I have not used it. The card expired after 1 year. I called to get a new card issued for {$25.00} and they informed me that I am not entitled to a new card as once it expries after the first year that all funds are surrendered back to Amex...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am unable to communicate to XXXX, XXXX, transunion and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After carefully reviewing my credit file I am concerned with some items you are reporting. Account name : XXXX  XXXX XXXX or XXXX. Account number : XXXX. I am aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documents on this account or remove it from my credit report. Also send me a credit report reflecting these changes. Thank you 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 non-monetary relief
Consumer complaint received 2015-11-30
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the same loan that you had resolved for me previously, I 'm now being asked by Navient which XXXX XXXX had said was their spin off for it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2022-09-09
Company: EdFinancial Services
State: MA
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:
Company unable to verify amount to be refunded when refund was requested and unable to provide confirmation that a request was made to be refunded. Company further was unable to provide a timeline for said refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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:
Experian I asked Experian to verify collection account reported by XXXX XXXX Account # XXXX. Experian responded with account has been verified by the XXXX XXXX I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

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 2019-10-23
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: Account information incorrect

Complaint:
I am doing some follows ups and I have lost several 139 points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my Credit Fico.

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 2015-05-12
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We filed paperwork with U.S. Bank for a Deed in Leiu/ Short Sale in XXXX 2015. The house was put on the Market in XXXX 2015 as my husband got a new job out of the area. 
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review, That it would be forwarded to Underwriting for their review and decision and now is with the " Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but, it seems as though US bank is doing what they can to stall the process. We are turning to you for help in resolving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a $ XXXX {$300.00} checking bonus back in XXXX. I did my direct deposit of {$500.00} in XX/XX/XXXX. The terms say I should receive the bonus in 90 days. I've called into the branch multiple times and reps have confirmed I should have received by now. They were supposed to call me back 2 weeks ago and I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?

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 2016-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-02-14
Company: Harris & Harris, Ltd.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I obtained a credit card via XXXX a card with synchrony bank and XXXX & XXXX XXXX. 
I had used my card with no issues, until the other day. 

I went to purchase more items per my phone call with synchrony bank in regards to this issue. 

XXXX & XXXX decided not to renew their contract with Synchrony bank so the bank decided to discontinue the card. 

My credit took a hit with a decreased score. 
In 15 years I have 100 % on time payment. 

I asked Synchrony for a product change. 
They advise that option was not available due to their was no merchant who would pick up that contract. 

The pay boo card was terminated in XXXX, however as a tv producer XXXX travel and did not see the mail that they sent. 

My complaint is that I did everything by law and yet when these two companies decided not to continue business my credit took a hit and all the bank had to say was for me to read my terms and conditions as this is the law and they are in their legally right. 

The part that makes me the angriest is I wanted to buy more equipment and due to know product change which would not have required a hard pull on my credit. Now I either have to pay cash or try to get credit, however with the creditor closing the account it hit my credit hard. I assumed if I closed the account it would adversely effect me worse. Synchrony told me the opposite. 

I hope I explained the situation with the least amount of emotion.

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 2022-05-05
Company: Shellpoint Partners, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation