BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNDER 15 USC 1692g EXETER FINANACE LLC HAS NOT VALIDATED THE DEBT ; THEY ARE THEATENING ME AND MY REPUTATION. WHEN DEBT IS ALREADY PAID. 

On the XXXX day of XXXX, I sent Exeter financial LLC certified mail of a : 1. Non-negotiable conditional acceptance, 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 
Which was ignored, misled and not answered correctly according to the claims and assertions stated within it in " SUBSTANCE ''. 

On the XX/XX/2022, I sent a second notices to Exeter Finance LLC certified mail : XXXX. Notice of default and opportunity to cure 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 

Having failed to properly rebut the allegations presented unto them in the time requested, respondents hereby ADIMT all allegations contained to be true. 

Exeter has not proved any of their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: VA
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:
I received notification that my XXXX XXXXXXXX XXXX XXXX XXXX XXXX was acquired by Comenity Capital Bank effective XX/XX/2022. I previously established automatic payments that were then voided, yet I never received a new card from Comenity, nor did I receive any subsequent email notifications about account setup or payment due. I was only made aware from a credit report alert about them reporting a delinquent payment. I immediately tried to manually find and create or log into the Comenity website, but it's been down for extended period of time. I am not able to reset a password, register for access and I am not able to make a payment over the phone despite repeated attempts. They should not be allowed to report delinquent accounts to credit bureau 's while also preventing active account holders to make a payment. 

I believe there has been a security breach that they may not be reporting. On XX/XX/XXXX, I got an email from XXXX XXXX XXXX XXXX card referencing an account ending in 4 numbers that do not match my credit card. I then received communication XX/XX/XXXX with the correct account ending numbers. There's an inconsistent experience when attempting to call in to make a payment. Once I did get through and the automated system indicated they are only accepting debit card payments, which seems unusual as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has had my 2 XXXX loans posted from the beginning. Why did my score drop XXXX points from XXXX to XXXX in one day? 
I have made 2 payments already and not increased it but this is what is added to my report : Credit report changes Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT The balance of XXXX accounts increased ACCOUNT INCREASED DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX COULD HELP The percentage of your accounts always paid on time has increased by 1 % COULD HELP Your credit utilization decreased by 3 % COULD 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. Code 1681b Permissible purposes of consumer reports XXXXXXXX XXXX XXXX  Account XXXX This account is inaccurate and i'm seeking litigation Please delete at once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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 2022-06-28
Company: Experian Information Solutions 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:
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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
According to the Gramm-Leach-Bliley Act and 15 U.S.C. 6801, my nonpublic personal information such as ( Name, Address, Birth Date, Account Number ) should not have been disclosed to any unaffiliated third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a letter from a creditor where one of my credit cards was closed. The letter states that they based their decision on the TransUnion report due to a low score and some information that I am not aware of dealing with real estate. I tried unsuccessfully to try to contact them via phone or website. Both places blocked me from getting any information regarding my own report due to the inability to verify my information. I believe this is a sorry service. There is no way to get my information. I have to wait until I can get a paper credit report which will not contain the score - because this company charges for a score. I tried paying for the score but I got blocked for doing so. So how am I supposed to file a complaint to a company that got the wrong information if I can't get the information requested myself? TransUnion has the ability to ruin someone's score based on incorrect information. Yet, I can't even reach them by phone or online due to their sorry customer service.

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 2023-09-23
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I filed a dispute multiple times with Experian. I first tried to file dispute on-line but received an error message when unloading supporting documents so I had to mail them in. 
Their reply to the dispute has no naritive on what they based there decision on. It doesn't show they read notes or supporting documents. They only show information from the credit card company. I have asked to speak to a supervisor and non is ever available. I'm promised one will call back but they bever do. There dispute process is frustrating and broken. The only thing representatives can do is file another dispute which produces the same results. 
I am disputing the monthly payments on my credit card account and the dispute process never seems to address my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no knowledge of this XXXX account. This was not me. I have included a fraud 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 non-monetary relief
Consumer complaint received 2022-07-28
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2023-02-23
Company: Credit Karma, LLC
State: MI
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:
Credit Karma, sent my several false credit card approvals. When I applied for them I was denied and inquiries were attached to my name. This has hall several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Company: PLANET HOME LENDING, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in XXXX XXXX and my Loan was purchased by a XXXX XXXX called " Planet Home Lending ''. At the time they purchased my Loan my payment went through XXXX and my note was {$410.00} Planet Home Lending purchased my loan in XXXX XXXX. Since then my note has gone up to {$820.00} nearly doubling. They are holding {$930.00} of my money in reserve ( escrow ) and not paying me interest on it. They went up on my note after me telling them to " waive the reserve '' which is what XXXX did for me so that I could keep my note affordable. I went to the XXXX XXXX and resolved the issue with my taxes which have been prorated for XXXX and I turned that in to them so they could accurately recalculate my note. I have spoken with Planet on this matter after learning of a tax mistake and I ask them to do a " Escrow Spread '' after they were to have " waived the reserve of {$930.00} '' that I have already paid them, which would not have increased my note by much but they didn't do that nor did they honor a letter I recieved after they took over my loan from the Home Affordable Act Stating that I was to recieve a {$5000.00} final reduction in my principle for successfully completing the HOme Affordable Program. THIS COMPANY SHOULD BE SERIOUSLY INVESTIGATED FOR IT'S ESCROW POLICIES IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years. 15 U.S.C. 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.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiry listed on my Experian credit report is fraudulent and not my credit inquiry : XXXX XXXX XXXX, XXXX/XXXX/2023.

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 2023-04-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SUNCOAST CREDIT UNION
State: VA
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 Suncoast Credit union florida notified me that a fraud had occured on my suncoast credit card. I blocked the card number from further use and they reissued a new card. I was fully reimbursed. I told them both cards, my wife and mine were locked in our house and we stopped using that card 2 years ago. Then as a victim of this theft via use of the credit card number the credit bureaus, all three sent me stating I had reported my card lost or stolen and that as a crime victim this could. lower my credit score. I told Suncoast their report to the credit bureau was false that one can not be hold in credit card on their hand and claim that the same card is stolen or lost. Suncoast tried to make me sound negligent in the number of card being used. In fact, I wonder how they did get my number as the two cards are locked in the house and have not seen the light of day in two years. I suspect it was a data breach at Suncoast. What I was told at suncoast credit union was that theft or loss of a credit card is the same as someone having stole only the number and used it. At anyrate as a crime victim, My credit score may well be lowered at all three bureaus through no fault of my own and false reporting by suncoast credit uunion which they did with intent. If a person holds a nickel in their had, that nickel is not lost or stolen but rather it is in their hand.

Company response to consumer: Closed with explanation