BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, 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 2022-06-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance to the fair credit reporting act XXXX  has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NC
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 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 2022-09-27
Company: Grain Technology, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to contact Grain Technology Inc about a debt owed to them since XX/XX/2022. I have attempted to call them, can not get through to a live person. I have filled out their contact information form 4 several times over the past few months. I want to settle this account out and if they are not willing to work with me in clearing this debt, I want the credit bureaus to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 status incorrect

Complaint:
A letter of deletion was sent to Transunion weeks ago, and they're refusing to remove an incorrect mark on my credit report. I am moving at the end of this month, and this caused me to have to pay for another full months worth of rent and delay my entire families moving process.

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 2022-04-25
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
I traded in my XXXX XXXX XXXX on XX/XX/XXXX, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/XXXX, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/XXXX. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed for XX/XX/XXXX, at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/XXXX XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC  I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: IL
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 XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the 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. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit 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 2022-12-09
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Since the company does not have the documents. Delete the item out of my report immediately. Send an updated consumer report after item has been delete to the address on file with company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 2022-07-31
Company: TRUIST FINANCIAL CORPORATION
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:
Service Finance COMPANY FILE A ILLIGLE UCC ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT XXXX BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802

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 2022-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I logged into my USAA mobile app and online, I received a message from USAA bank that said if I didn't answer their 40-minute survey, I would be locked out of all of my accounts. I called the bank and confirmed that they would suspend my accounts unless I answered their questionnaire. 

Their justification for their threat was that it was part of their terms of service. I did the survey and noticed all but a couple of the questions were related to a service they provide called XXXX. I don't see how it's legal for an FDIC-insured institution to threaten to prevent me from accessing my money if I don't participate in their sales and marketing questionnaire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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: Information belongs to someone else

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  Account # XXXX has violated my rights. XXXX  Account # XXXX  has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXXXXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX XXXX Credit card is in collections with Midland Credit Management. The balance of the collection has increased. I just disputed this debt. Now all of a sudden the collections amount increases. Per your site, this is and illegal act. Midland Credit Management is in violation with such actions. The original debt is {$650.00}. As of today, its now {$650.00}. Which has impacted my credit score by a decrease of 9 points. This account has been in collections since 2019. With the amount owed. {$650.00}. Now all of sudden. After I depute the ownership of such collection account. The amount owed increased. And my credit score dropped 9 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company name : PayPal.Inc I have been using PayPal to receive payments for my business and also paid some of my staffs using some platforms On XXXX XX/XX/2022 I wanted to convert my personal PayPal account type to business type to start my new XXXX XXXX  and I stopped in middle of it. 

the next day I woke up and got charged some cents from one of my clients that I know and I designed for, I noticed in my emails that PayPal limited my account permanently with XXXX XXXX I earned in 3 months. ( in XXXX XX/XX/2022 ) I thought the reason was that I didn't complete converting my account to business type, so I completed it as fast as I can, but nothing happened. 

I immediately contacted the office in several ways, and they never told me the reason, they kept repeating that I violated the user agreement, while all what I was doing is selling my XXXX XXXX on XXXX, XXXX, and XXXX, and paying some of my staffs on up work, etc only. 

It's been 3 days, and yet they don't want to tell me what happened or give me my money back at least.. Only repeating thr same message over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX Bank, XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX Certificates XXXX XXXX XXXX XXXXXXXX XXXX Questions/Comments : 1.On What date was the Note transferred by XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
2.By what method was the note transferred to the trust? Please included physical address of the place where the note was delivered. 
3.Was the assignment of mortgage also delivered by XXXX  XXXX XXXX XXXX trust? 
4.Where were the original note and assignment of mortgage ( if any ) physically stored by the trust? Please include the physical address of the place where the note and assignment were stored. 
5.What documents if any were given showing the delivery of the note and assignment to the trust and or receipt of note and assignment to the trust? 
6.Was the note indorsed by XXXX XXXXtXXXX at the time it transfered to the trust? If So, please identify the person who examined the note and the date and place the examination was made. 
7. Did the trustee or its designee ever notify XXXX  XXXX that the note, endorsement, and or the assignment were not in compliance with requirements of the trust, whether by including the note and assignment on an exception report or by other means? If such notification was made, please identify the date and the method of such notification. 
8. Was the trust credited with any payments made on the XXXX note? If so please state each date a payment was credited to the trust on the XXXX note. 
XXXX. This debit was satisfied by means of cancellation of debit, recission of note, and or XXXX Mortgage Settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation