BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Dispute of Late Payment on Credit Report - Reference : XXXX  XXXX XXXX XXXX  Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by XXXX, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to Bank XXXX XXXX Mortgage, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX  XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX 's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached Bank XXXX XXXX XXXX 's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from Bank XXXX XXXX Mortgage regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on 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 2022-07-27
Company: Maximus Education, LLC dba Aidvantage
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:
Department of Education XXXX XXXX loans on ny account that have been cleared because of my Permanent and Total status. Accounts are reported on my XXXX XXXX XXXX reports. XXXX was removed from XXXX. There is no money to collect. There is no court order or judgement giving permission to collect, garnish wages, etc. Violates 15 US Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( 3 ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX  to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX  furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the thirty-day period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXX rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer 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 2022-09-22
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:
CFPB + TransUnion + XXXX XXXX, On my XX/XX/2022 it says there is a collection account from XXXX- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my TransUnion credit account 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

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 2022-08-22
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
did not recieve anything too verify debt please help me with situation WESTLAKE FIN XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$230.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$9100.00} {$9100.00} {$9100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6800.00} {$6800.00} {$9300.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$9100.00} {$9100.00} {$9100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: MI
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 declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.XXXX XXXX LEARNIN. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the end of the billing cycle of my card ( XX/XX/XXXX ), the balance on my statement was {$100.00}, which was due on XX/XX/XXXX. I returned an item bought during this period for {$41.00}, which should have brought my balance down to {$67.00}. Instead, I received a notice from the credit card company ( TJMAXX/SYNCB ) saying that to avoid interest charges, I needed to pay the balance on my account of {$100.00}, which was the {$67.00} balance plus charges going into the next cycle {$8.00} charged on XX/XX/XXXX and {$27.00} charges on XX/XX/XXXX, after the XXXX closing date. I have never experienced this with any other credit card company and wonder if this is, in fact, legal?

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Account # : XXXX Account name : XXXX XXXX XXXX  In 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze with all 3 reporting agencies. 

I applied for a credit card in mid XXXX and unlocked my experian report. This credit card had great offers, so I wanted to apply. My credit is good! I should be able to do this seamslessly. 

I received a call from XXXX on XX/XX/XXXX at the business where I was applying for a credit card, and he told me that my credit report was not yielding him any results, and he believed my credit report was frozen. 

I updated my credit freeze again, to open on XX/XX/XXXX through XX/XX/XXXX. 

I received a call from XXXX again on XX/XX/XXXX and then he called again on XX/XX/XXXX, and he said that my credit report was not yielding him any results, and that my credit was still frozen. He tried again to run my credit while I was on the phone, but he was again unable to yield any results. He suggested I call Experian. Ugh! I made 9 attempts, and was finally able to get a human on the phone. The rep informed me that that my credit report was not frozen, and that XXXX was probably doing something wrong. She asked me to have him try again. 

I emailed XXXX and asked him to try again today, XX/XX/23 with no luck. I confirmed my SSN with him, and it was correct. I am going in circles with Experian with no luck getting my credit report successfully run with XXXX. I have not had this type of issue before I am tired of going in circles. Calling Experian is a daunting task and simply takes hours to get a human on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}

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 2024-01-05
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. 

On XX/XX/XXXX I logged in to my current account I have with Barclays XXXX XXXX  to review balance and payments due for my Navyist Rewards Master Card XXXX. After I did log in, I noticed there was another credit card Jet Blu Plus Card XXXX with an available balance of {$8000.00} which was opened without my knowledge and I have never requested for. 

After I noticed about this, I checked my bureau credit report and there is a report for this inquiry I never requested for. I also can see the personal information ( Address and phone number ) does not match with my current personal information. I moved to my new address on XXXX, XXXX and Barclays Card was still sending promotional letter to my old address. 

I placed a hold of my email and updated on my Barclays mobile app, my personal information to my current credit card I have with Barclays US Bank ( Navyist Rewards Master Card XXXX ). 

I have tried to contact Fraud for XXXX consecutive days to Barclays Bank but they do not pick up my call after I am waiting for more XXXX hours in the line to report 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 2023-08-09
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Today I received a phone call from Avant about a card that I opened but never used. They asked me for the last 4 digits of my social security number & because I've never used this card, I thought it was suspicious they were calling me and denied giving them my information. 

When I got home, I checked my mail to see a bill from Avant showing that there were 14 separate transactions at XXXX, XXXX XXXX on XX/XX/2003 for {$100.00} each. My credit score also took a hit. 

I don't shop at XXXX on XXXX XXXX and haven't done so for many months, possibly even years. 

I know for a fact that someone used my card, as it is a card I had opened in order to increase my overall line of credit. 

I am filing this report in order to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM has a deby on my credit report that is inaccurate. I have a current account with XXXX XXXX XXXX. I am on the the PIPP program to pay of the XXXX dollar amount that is said to be owed to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX University XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. Equifax XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX Service ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802

Company response to consumer: Closed with explanation