BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed XXXX XXXX XXXX XXXX serveral times and have completed all step in Experian email dated XX/XX/2022 since i have started the disputes. I have additional information for Experian review and i have sent XXXX XXXX this Information also. XXXX  XXXX has failed to respond to MY Request via mail and over the phone and it has been over 30 per Fair Credit Act. I have made server calls to their XXXX  Risk Manangment and tried to reach XXXX XXXX which they have stated no such person works for the company. XXXX  have continued to transfer my calls to a department that is not in operation. In XXXX I was able to talk to XXXX  supervisor of experian and she stated that no matter what proof i send in, that Experian is not willing to remove the account from my credit report. Over the years i have sent Experian Police reports, Affidavits, proff of address and my identification some of which i been certified mail. 

Also the last two times i Submitted complaints to the consumer financial bureau my credit score went down right after the complaints was filed decreased emails from epxerian. i do honestly believe that experian is doing this on purpose because i continue to file complaints on this topic. i will mail in the decreased emails with show the dates of the decreased which is right after the complaint was submitted. 

I have explained to Experian serveral times as to why i wanted to pay the account when i found out about car. As i stated to Experian i am a domestic violence survivor and wanted to keep my credit in good standing to find safe and suitable housing.

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 2022-06-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
more information complaint XXXX CEASE ALL CONTACT AN COLLECTION I REFUSE THIS ALLEGED DEBT 15USC1692c ( c ). 

I the consumer notice that you said that you were getting validation from your client. wait wait wait to first state that proves i owe you nothing you're reporting on my consumer report. I HAVE NO CONTRACT WITH YOU. I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I REFUSE THIS ALLEGED DEBT COMING FROM A XXXX PARTY DEBT COLLECTOR. PURSAUNT TO CASE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX CASE XXXX DOCUMENT XXXX PAGE XXXX OF XXXX. WHEN YOU PURCHASED ALLEGED DEBTS, YOU'RE PURCHASING A THOERITICAL CLAIM OF OWNERSHIP. THERE ARE NO NOTES ASSIGNED NO CONTRACTS ARE TRANSFERRED. SO BASICALLY, ALL YOU HAVE IS AND ELECTRONIC LIST OF COSUMERS AN THIER LAST KNOWN ADDRESS WITH AMOUNT THE CREDITOR CLAIMED TO BE OWED. OFTEN THE INTREST RATE IS NOT INCLUDED DATES OF BIRTH OR SOCIAL SECURITY NUMBERS ARE NOT INCLUDED, AND ADDRESSES HAVE NOT BEEN UPDATED ALSO, PURSAUNT TO THIS CASE THE COURTS FOUND THAT DEBT COLLECTORS DO NOT ACTUALLY PURCHASE AND RECEIVE CREDIT CONTRACTS, THEIR SPECFIC TERMS, PAYMENTS HISTORIES, SALES OR BILLING DOCUMENTS AND OTHER DOCUMENTS NECESSARY TO PROPERLY PROSECUTE AND COLLECT A DEBT OR EVEN TO KNOW WITH ANY REASONABLE DEGREE OF CONFIDENCE THAT A SPECIFIC DEBTOR OPENED, USED AND THEN FAILED TO PAY A DEBT IN A SPECIFIC AMOUNT. 

SO WITH THAT BEING SAID YOUR A USING HARASSMENT AND OR ABUSE PURSUANT TO 15USC1692d ( 2 ) this profane lang to me for you to say i owe you an alleged debt an then you come back and say you will get an alleged validation from you client well if you have no actually validation contract etc why are you reporting negative computerized unverified account on my consumer report?????? you have no contract when you are assigned or purchased alleged debts your purchasing nothing.. 

I ALSO ASKED YOU TO CEASE CONTACT WITH ME THROUGH ALL MEDIUMS INCLUEDING MY CONSUMER REPORT. PURSAUNT TO 15USC1692c ( c ). 

YOUR A BIG FRAUD YOU ARE ATTEMPTING TO SWINDLE I THE CONSUMER PUSUANT TO 18USC1341. I HAVE NO BUSINESS WITH YOU NO CONTRACT WITH YOU XXXX YOU DONT EVEN HAVE A CONTRACT OR ANYTHING FACTUAL YOU ONLY HAVE COMPUTER GENERATED INFORMATION BUT STILL TRYING TO COLLECT MONEY FROM I THE CONSUMER. 

YOU AN YOUR CLIENT IS COMMITTING RACKETEERING PURSUANT TO 18USC1961 ( 1 ) YOU BOTH ARE USING FAKE CONTRACTS AND UNVERIFABLE INFORMATION TO COLLECT MONEY. 

I REFUSE THIS ALLEGED DEBT ONCE AGAIN I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I DO NOT WANT AN FAKE VERIFICATION THATS IS DONE ONLY BY COMPUTER INFORMATION THAT IS NOT VAILD. 15USC1692c ( c ). 
XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number: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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Banks system is completely down. I have been unable to access my accounts to view charges or make payments. The system does not allow me to log in using my log in details. I have several credit card accounts with Comenity Bank and all of them are not accessible. They have provided a generic prerecorded message when I call they have a system outage that has lasted longer than expected. They also have a similar message on their XXXX feed. I do not know my balance, nor can I see my recent charges and I am unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: SC
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 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 2022-09-21
Company: Selene Holdings LLC
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:
Selene Finance LP, until XX/XX/2022 was my mortgage lender and has repeatedly reported wrong information about my loan to the credit bureaus affecting my XXXX score. In XX/XX/2022, I made my mortgage payment to Selene Financial LP as usual and on time, in XX/XX/2022 Selene Finance LP, incorrectly reported me to the credit bureaus as not making my mortgage payment for the month of XX/XX/2022 and being delinquent. After making a complain and sending multiple disputes 45 days later Selene Finance LP admitted their mistake and notified the credit bureaus of the error they made. Today, I am making another complaint because Selene Finance LP bad quality of service has affected my credit report once again. My property/loan in question was sold in XX/XX/2022, since XXXX of XXXX the balance of the loan is zero. During the month of XX/XX/2022 Selene Finance LP reported to the credit bureaus that the loan was sold and the balance was zero. On XXXX XX/XX/2022, Selene Finance LP incorrectly reported to the credit bureau that the balance of my loan was now XXXX $ even though I don't have that loan anymore and was reported a month before as the balance being zero since the property was sold in XX/XX/2022. Because of the high balance being incorrectly reported to the credit bureaus as if I still had a Loan with Selene Finance LP my credit score went down by XXXX points. I am in the middle of purchasing a property and due to the huge mistake done by Selene Finance LP, I cant proceed with my purchase until the credit is fixed. How many more times is Selene Finance LP going to affect customers???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion, XXXX, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 XXXX XXXX XXXX, I sent a letter to both Experian and XXXX to reset my Online Access as I am not able to login due some kind of blocking or security issue with their website and systems. I have called them so many times but no use and I do not have Online even after 6 months of trying.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative 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 2022-07-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to 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 2022-09-21
Company: Credit Karma, LLC
State: KY
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:
On XX/XX/2022 I received a preapproved loan with XXXX XXXX XXXXXXXX through Credit Karma. That was the only reason for me submitting the application at that time. I was then denied that loan for {$5000.00} preapproval amount. XXXX XXXX XXXX contacted me on XX/XX/2022 via email and phone call informing me of the the denied loan. Stating I have high utilization credit, and too many open credit accounts ( I was not sure what that meant ) being the reason for my denied loan. When reviewing the email it stated XXXX determined I was not approved, but under Credit Karma no information is being reporting from XXXX, only from XXXX and XXXX. So I had no knowledge of the information from XXXX through my Credit Karma account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My phone and bank cards was stolen I called the bank and told them there was some unauthorized charges on my account I point the one out from cash that I didn't do or use. So I waited 94 day for answer. They refused to tell me anything or haven't sent me a email or letter about my case. I started sending emails tell them I'm going to file a complaint on them then they told me my case is close. I'm still waiting on the reason my case got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING M Y CREDIT PROFILE. 

NAMXXXX XXXX XXXX XXXX  DATE : XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual PLEASE DELETE THIS UNAUTHORIZED INQUIRY FROM 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 2022-11-30
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Approximately XXXX of 2022 I realized I had fallen Victim to a couple of scammers that lasted over a year. I met these two women online who claimed to be psychic women and possessed Devine powers. They claimed to be able to eliminate any negativity from your life, being abundance, and any past relationships. I was young and very vulnerable when I met these people. I was fresh out of relationship and just moved to a big new city by myself. These people claimed they would be able to bring my ex back, but I had to put In the work and it was very important I never told anybody. Once all of the work was complete I would get my money back the transactions started off with a simple reading : {$20.00} for the first session. They claimed to found the reason why me and my ex broke up, and they were the only ones with enough experience and skill that could bring us back together. I would send hundreds of dollars at a time for the work to be done each time I came back with hope of the work being complete and me and my ex would finally be back together. However it resulted in the opposite. They told me the work wasnt strong enough and required stronger materials such as bigger crystals and stones. I paid THOUSANDS for these materials I took out a loan from XXXX XXXX for {$8000.00} USD and sent my whole entire paycheck one time because they said it was cursed and had to be cleaned. As you are reading this I know it probably sounds obscured but its the truth. I was in a very isolated time of my life and their tactics made me feel like they were the only ones that understood my situation. Remember, I wasnt allowed to tell anybody, and once the work was complete I would get all of my money back. I sent over {$20000.00} USD to these people before I realized the actual amount I sent. I have put myself further in debt because I fell victim to their scam. I have reported everything to CashApp on different occasions and each time leads me to a dead end. I tried to dispute the transactions but they were no help. I received a message that said along the lines sorry about the fraud. We dont intend for our users to be scammed. There is nothing else we can do I never received an email from them stating why they couldnt dispute the charges. Only a verbal no we can not do that no actions/precautions were taken by CashApp to support one of their customers and it left me losing {$20000.00} USD I have proof of all transactions and actions that I have taken in attempt to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Twice I have had resurgent capital services contact me in 2022, asking for me to pay on an account that was fraudulently opened in my name. I let them know and proved to them it was fraud. Someone opened a card in my name, and made payments on it in my name. They stopped making payments and it was handed over to lvnv funding debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation