BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days in XXXX 2021  and XXXX 2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2022-08-03
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Specialized Loan Servicing, which also owns an escrow impound account, missed paying for our second XXXX Property Tax on XX/XX/XXXX and I had been contacting them since XX/XX/XXXX for over 20 phone calls requesting them to pay for the overdue XXXX property tax. Up to this day, they still have not processed the payment for the overdue tax. The reason I was given on over 20 telephone calls was they are working through internal investigations and will pay when they are ready.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: OH
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 2022-08-03
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX. 

On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it. 

Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly. 

Thank you so much and have a wonderful day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I understand that under HIPAA law I have the right to protect my privacy and medical records from third parties. I have not given permission to XXXX XXXX to release my medical information. This debt has never been validated by me and has violated my rights as a consumer under 45 CFR 150, 162 and 154.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/XXXX I tried to withdraw a money from my account thru a check I drop since 2 weeks before. After they told me they need some verification and I did everything but until now they not releasing the money and cant use the account the total amount in my Truist account is XXXX $ I would like to have access to my account or have my cashier check ready to go bank with another company

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX : {$1100.00}

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 2022-08-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a XXXX XXXXXXXX on XXXX I received payment from buyer on Venmo.Venmo froze my account XXXX in it stating that the had fraudulent transactions after I sent all information from XXXX showing were I sold XXXX  so I am out of my XXXX and out of my payment for the XXXX because Venmo continue to hold this has been Since XXXX Venmo are scamming people over XXXX account are on hold they need to be shut down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
there's something wrong with the software, or programming, when trying to log on and resetting the password. The same information used to pay as a guest is rejected when trying to reset the password. The same information used to pay as a guest is rejected, in fact, for trying to do anything else. They system rejects the information saying it doesn't match their records. If you try to reset the password the system gets stuck buffering indefinitely. Then, if you use " live chat '' the agents direct you to use that very same process. Two different agents gave me two different links. One told me that the link I had been using before the password issue was the wrong link. The other told me to use another link as well. Which turned out to be the same link I had been using all along.

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 2022-08-24
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ive recently had a multitude of issues with Atlantic Union Bank regarding lagging deposits and predatory overdraft fees. Last Wednesday, XX/XX/XXXX, at around XXXX XXXX EST, I initiated a money request from another account ( my husbands ) via XXXX provided through the Atlantic Union Banking app. His request was promptly transferred and the money immediately left his other account. At this time, my Atlantic Union Bank account had a positive balance. Atlantic Union Bank showed the transfer pending in my account for two days, meanwhile they approved several small charges. On Friday, XX/XX/XXXX, the money was finally deposited at noon. Then arounXXXX XXXX XXXX that same day, they tacked on an egregious {$38.00} overdraft fee, that subsequently sent my account into a negative balance, despite just making a deposit to keep it afloat. I reached out to banking customer service twice on Thursday, XX/XX/XXXX, to see why the payment had not yet posted, and no reason was provided or known. Then again I contacted customer service on Friday to reverse the overdraft charge that was posted two days after the deposit was made. No reversal has been provided to date. Ive retained screen shots of these transactions and their dates. I believe this bank purposely delays deposits made so that accounts incur overdraft fees in the meantime. This bank collected {$17.00} XXXX dollars in overdraft fees in XXXXXXXX  and its unethical practices just like this that are raking in all that revenue. I am going to seek legal counsel and explore the possibility of a class action lawsuit. I will also be reaching out to XXXX so they are aware of transfer delays specific to Atlantic Union Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: Southwest Credit Systems, L.P.
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: Their investigation did not fix an error on your report

Complaint:
I sent Southwest Credit Systems , LP XXXX XXXXXXXX XXXX  a Cease & Desist letter via certified mailed on XX/XX/XXXX, because they are inaccurately reporting a debt that I do not owe them. My letter was received by XXXX XXXX at XXXXXXXX XXXX on XX/XX/XXXX. They failed to send me : 1. Validation of the debt - that is, the actual accounting whereby your company has incurred a loss on the alleged debt. 
2. Proof of the existence of an account or contract, in the actual flesh and blood name, XXXX XXXX, duly signed and witnessed by both parties, not a unilateral agreement, and upon which signed page, there is a reference to the entire agreement. 
3. Verification of the claim against me ; that is, a signed invoice.

4. A copy of the contract binding both parties ( SOUTHWEST CREDIT SYSTEMS , LP and myself ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
5. Proof of claim that there is any lawful money in circulation backed by anything of value. 
In which they never responded with the information I requested, instead their response was sending me 5 XXXX statements . According to the FTC dated XX/XX/XXXX from Attorney XXXX XXXX XXXX Division of Credit Practices, the Fair Debt Collection Practices Act requires that the debt collector obtain verification of the debt and mail it to the consumer. Mere itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statue requires the debt collector, not the creditor, to mail the verification to the consumer.

15 USC 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

As seen in UNITED STATES OF AMERICA, XXXX XXXX XXXX XXXX, XXXX, a limited partnership, Case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NY
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 incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX Bank Account : XXXX First XXXX Bank Account : XXXX XXXX  Bank/Full XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXa XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I have made previous attempts to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this account is not mines is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: OH
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 was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2022, I received the results of reinvestigation from TransUnion stating that they have verified a XXXX XXXX XXXX bankruptcy on my credit report. According to TransUnion, they verified the account from " XXXX XXXX XXXX XXXX ''. I got a letter from courthouse stating that they do not report bankruptcies to anybody. If that is the case, why will TransUnion claim that the bankruptcy is 100 % accurate. They never did a fair investigation.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I filed a complaint with FCRA regarding XXXX XXXXXXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$590.00}

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 explanation