BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-12-03
Company: Experian Information Solutions Inc.
State: IL
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 Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 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 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 explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}

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 2022-12-03
Company: Resurgent Capital Services L.P.
State: NY
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 received several emails from lnvn funding, which is working through XXXX XXXX ( which i do not understand how they can be two agencies coming after the debt ). The emails went from XX/XX/2021 to XX/XX/2021. On XX/XX/2021 I requested for the agency to validate the debt. Which could be validated by sending to me via email or postal service. After that date I have not received any validation, nothing regarding the debt and they refuse to respond. This is part of right for this to validated. Also they sent personal information to an email they thought was mine but never verified that either prior to doing it with information about a debt and amount owed ( with no validation of debt ) I believe they are now trying to pursue a judgment. With out covering my basic rights revolving debt. I have also read several articles of this agency going against consumers rights and a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 USB 1666B : A creditor may not treat a payment on a credit card account under an a open end consumer creditor for this 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 explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My issue is with Edfinancial. I requested the refund of a {$7000.00} payment I made towards my federal loans on XX/XX/2022. This request was made on XX/XX/2022. Since then, I have gotten a lot of different, incorrect information about the time it takes to process the refund. Now this week I finally managed to have them reinstate my balance and they confirmed the process was complete. However, they mentioned that StudentAid is responsible for refunding the money once it is processed. I just contacted StudentAid and they denied this information saying that the loan servicer is entirely responsible for handling the loan and refund. So right now, it shows that I owe {$7000.00} and I never got the {$7000.00} that I already paid. I am freaking out because that is the worst possible scenario. Edfinancial have been terrible mishandling this and they keep giving me false and misleading information. It is the worst customer service I have ever experienced. I would like Edfinancial to send my refund now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 2022-12-03
Company: JPMORGAN CHASE & CO.
State: LA
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:
In accordance with the fair credit Reporting act 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 2 : It also states a consumer reporting agency can not finish 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 did not consent to or benefit from the following information Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back Experian and XXXX from conducting their investigations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: BARCLAYS BANK DELAWARE
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX. 

They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.

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 2022-10-28
Company: Experian Information Solutions 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I was trying to use the ECSI app to pay my loan and it stopped working. There was an error every time I tried to submit my payment. I tried to call ECSI and they told me that my information ( that I was reading off of the billing statement ) couldn't be verified. This continued to happen and I gave up. My last payment was XX/XX/XXXX. 

The last statement ECSI sent me was XX/XX/XXXX. I received no communication about it going into collections or communication from a collection agency. 

I was applying for financial aid for grad school this year ( XXXX ) on XX/XX/XXXX. I noticed I had 3 loans in default. There was no information on the website about who held my loan- only that it had been sent to collections On XX/XX/XXXX I submitted a ticket asking for the number of the collections agency. I never heard back from them- I waited for an email saying that my ticket had been resolved and never received one. 

I checked back into the ECSI website on the XXXX and noticed a number had finally appeared. I opened the chat to ask a few questions to a representative. The rep told me that the loan didn't go into collections until early XXXX ( remember I noticed my loan being in collections on the XXXX. ) and they had updated information on the XXXX about the collections agency. 

I called the agency, XXXX and XXXX, and they said they had just received it and my file hadn't fully uploaded it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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:
It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX  XXXX XXXX Balance : {$2400.00} ;

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 2022-09-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX  3 months behind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; equifax reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports XXXX since XX/XX/XXXX with no last payment date. 
2. XXXX XXXX equifax reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
3. XXXX XXXX equifax shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}

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