BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NV
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 Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account Number : 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

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 2015-06-16
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The following collection company Sentry Recovery and Collection placed a account on my credit report without ever contacting me in any form. 
I have written this company several times asking for documentation regarding this account and I have never received a response from them. 
They are violating my rights under the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: IQOR US INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I have XXXX student loans with XXXX XXXX, 1 loan was signed on XXXX/XXXX/XXXX and the 2nd on XXXX/XXXX/XXXX, both signed when I was in attendance at University XXXX. Due to financial hardship, I had defaulted on my loans in XXXX resulting in my accounts transferring to a collections agency " Allied Interstate. '' In XXXX, I worked out a repayment plan with Allied Interstate as I regained financial stability ( see attachments for agreement made with Allied Interstate XXXX. 
# 1- Allied Interstate had me sign an agreement to repay my debt and reduce my interest rate to .001 % from 8.25 %, this has not been reflected on my account and I was advised by Allied Interstate that due to a " system glitch '' my balance and interest rate were never updated. I have asked for a letter indicating the issue and indicating the correction, Allied Interstate has not complied. 
# 2- In addition, Allied Interstate and XXXX XXXX are incorrectly reporting on my credit report XXXX see attachments ), I should be showing that I am on a modified repayment plan, and current in my payment per that plan ( I am being reported as " delinquent '' per attached ) # 3- Allied Interstate continues to harass me through daily phone calls ; I have numerous missed calls and voicemails daily. I am making my payments ( they are auto-deducted ) timely and would like for Allied Interstate to stop calling me unless urgent or related to making the corrections to my account. 

FYI, I have noticed on my Allied Interstate correspondence, XXXX XXXX is now " XXXX '' " a spin-off of XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Venture Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.

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 2020-06-12
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife tried to make a payment on my Sears/Citibank NA credit account and because she wasn't listed on the account they placed a " fraud alert '' and the account was frozen. I received a notice of fraud alert in the mail with instructions to call them. I called and tried to resolve the issue, but was told they " could not verify my identity '', due to the fact that i was not calling from the phone number listed on my account. I had excellent payment history for years, and even gotten married and bought a house since the account was first opened. My address was updated on the account and we were receiving monthly statements to my updated address, but I assume my phone number wasn't updated. Once the fraud alert was placed on the account I had stopped receiving monthly statements or any correspondence other than one letter with a phone number to call, upon which calling the number I have been repeatedly told that I am not who I say I am. Sears/Citibank NA then placed late fees on top of late fees, closed the account, and has continued to report my account as " late ''. Before all this started i had a credit rating of mid-to-high 700 's and currently I am in the low 600 's. I was willing to pay what I was responsible for, but without any statements or even a way to dispute any charges I had no way to access any account information.

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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
And unauthorized credit file report sent to capital one bank released by XXXX XXXX on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through capital one bank. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Equifax to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016

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 2021-01-23
Company: Square Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This is related to my earlier complain that someone opened a fraudulent debit account into which that person tried to apply for unemployment in Ohio. Now another cash card has been received called " Debit VISA '' but there's no identification on the card from where the card has originated. The outside of the envelope references Square, Inc. ant that's all I can find. There is no phone number on the card to which I can report fraud so that's very concerning. How do people even open cards like this? I need to get this account closed but don't know where to turn to get it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in a truck and I received one invoice stating that they were charging me {$3600.00} in fees. I called GM financial to ask what these charges were and I didn't hear back from them until today. - they claimed it was due to covid. I am doing a refinance on my house and my credit was checked and not only did GM put this terrible mark on my credit, but stated I owed this money, when I had no idea what I was even being charged for and couldn't even speak to anyone due to circumstances with COVID that are out of my control. Now I can't refinance my house. 
Once I found this out, I called GM financial and settled on a payment plan but this is insane and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my all debts for XXXX XXXXXXXX. Now after more than 5 years I received a notification from you that I am owing you a remaining balance. 
Not sure what you a re referring to. 

Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
In accordance to 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 explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: WA
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:
XXXX  XXXX and XXXX bank account balances are incorrect. Equifax can not verify my information and I was logged in to my Equifax account, giving them the information on file. The rep constantly asked me the same information over and over and said I could not verify the accounts. The purpose of me calling was to dispute inaccurate information. So most likely thats why I can not verify the accounts. XXXX  XXXX updated the balance and XXXX  update the balance to XXXX. I need to use my credit and I need XXXX  XXXX to reflect XXXX balance on all reports. Also I need XXXX  to stop aggravating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX. '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. On XX/XX/XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use Equifax 's online portal and phone numbers to request my credit report. On the best occasions, the online portal eventually tells me that it is " unable to deliver [ my ] credit file '' and that I should call XXXX to request my credit file. When I call, I am either disconnected at some point, or told that I already received my credit report. 

I am the victim of identity theft and need this report to ascertain the full extent of the damage, but can not obtain it from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: MA
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 requested that Experian and XXXX preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the FCRA. XXXX report XXXX is XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by XXXX and Experian. This account account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.

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 2016-05-20
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes.

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since XXXX I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY

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 2022-05-16
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, My account was deactivated on XX/XX/2022 by the company, there is an XXXX USD worth balance kept in my account. 

I didn't receive any formal notification or official letter from the company regarding the incident, and they did not provide me with any further explanation of how they deactivated my cash account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Synovus Bank
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation