BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
My fico credit score is fluctuating alot. I just purchased a vehicle and they submitted several credit inquiries and made my credit score lower by XXXX points. I don't understand the extreme fluctuation of my credit score. I did have a bankruptcy in XXXX, but I have paid off my loans and closed accounts but my credit rating is still very low. Can you please explain this or help me fix this issue. I have a full time employment and home mortgage and utilities bills and some credit cards, but everything is up to date. Let me know if you need additional information from me like SSI #, etc.

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 2022-08-02
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove 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 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 XXXX XXXX XXXX XXXX that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,

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 2022-12-13
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: Personal information incorrect

Complaint:
I changed my legal name earlier this year. My legal name is " XXXX ''. I do not have a last name. My court order ; Driver 's License ; and Social Security XXXX card all accurately reflect that my only name is " XXXX ''. 

I sent a letter to TransUnion to indicate that my name has changed, and provide them copies of the documents listed above. Having previously worked as a XXXX XXXX, I am very familiar with database requirements ; while it is perfectly legal for a person to have only one name, nearly all systems in the United States assume that people have both a first and a last name, and mart both of those fields as required. I submitted a cover letter listing several options for TransUnion to enter in place of a last name to satisfy their database requirement. Examples include : " XXXX - '', " XXXX XXXX '' ( 'no last name ' ), " XXXX XXXX '' ( 'no first name ' ), etc. 

I received a letter in the mail today indicating that they made a change to my account, and now listed my name as " XXXX XXXX ''. That does NOT match any legal document that I own, and was NOT listed as an acceptable work-around. 

I called the customer support phone number for TransUnion and was escalated twice to a representative able to answer my question. They informed me that they were UNWILLING to correct this issue ; because " XXXX '' is the only name written on the court order, that was the only name they would enter. But because their system requires both a first and a last name, they entered it in both fields. When I asked why they were willing to deviate from the name listed on my court order, " XXXX '', by entering the name " XXXX XXXX '' instead, but were NOT willing to enter the name " XXXX XXXX '' instead, the only answer I was given was " this is how we're going to report it and we're not changing it. ''

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 2022-08-23
Company: C/C Financial
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

Proffered Lease, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & Preferred Lease remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Credit Inquiries 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 -USDOE/XXXX- XXXX -USDOE/XXXX- XXXX XXXX XXXX XXXX- reporting late paymentsXXXX 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  Truth in Lending Act The Fair Credit Reporting Act The Equal Credit Opportunity Act The Fair Credit Debt Collection Practices The Fair Credit Billing Act

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 2022-12-14
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My request to set up EFT from XXXX to my bank was rejected using Early Warning 's info as the reason. Early Warning 's report was just a list of transactions, with no explanation of what transactions triggered the rejection or why. This may follow the letter of the law, but it is far from transparent. It feels like Early Warning is an excuse for XXXX to do whatever they want to whoever they want with a joke of a report as an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
CFPB + Equifax, On my XX/XX/XXXX credit report it shows I have a 30 day late payment on my car loan - this is inaccurate as I paid on time - and would like this fixed. 

Attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my XX/XX/XXXX credit report showing it currently says it was 30 days late on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Saw advertisement in the XXXX pumping area of XXXX stating XXXX cents per gallon discount for XXXX month if you get wawa credit card. After several times and considering the Extremely high prices of gas XXXX cents per gallon would be a Blessing in XXXX for anyone. Finally on XXXX XXXX, 2022 @ XXXX my husband decided to apply for this card. So I used my phone and applied for him as he watched all data I entered and by XXXX we received a response of " You're Approved. Set up your account to access all of your card benefits '' So I replied YES want to Check Card Balance Online, YES want to view statements and letters online. Next had to enter user ID then password. Next CONFIRM your Paperless Statements and Letters Enrollment -- - Which I did CONFIRM @ XXXX. Then the wawa system said " You've set up your account and preferences. Her are your card details ''. Next showed my husband 's name his cr limit & his Variable APR % rate. Next asked did you want to enter additional user. My husband said he wanted to add me as a user with my own card so I entered my name and dob. Now it's XXXX XXXX the XXXX System now shows my name blocked out my dob and said same address -- but listed my last name DIFFERENTLY THEN ACTUALLY IS. My Last name is : XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX and all other letters lowercase and each word separated ONLY BY SPACES, NO HYPHENS!!, yet their system CAPITALIZED THE D in XXXX -- -- -WRONG WRONG WRONG WRONG. 1st statement ( stmnt ) arrived in the mail and does not display a proper auditable ( in accounting ) transaction number of gallons X price per gallon, and APPLIED DISCOUNT AND PURPOSE OF DISCOUNT APPLIED, XXXX. New CC Customer XXXX cents per gallon, DOES NOT Distinguish GASOLINE transactions from STORE Transactions. XXXX ( XXXX CENTS PER GALLON DISCOUNT ) Cents per gallon discount may or may have not been properly applied, due to no way to prove this is HORRENDOUS statement. Horrific Customer Service Representatives, who are XXXX, and possess no decent customer service skills. In Conclusion I must conclude WE/OUR ACCOUNT was not issued sufficient credit to equal XXXX cents per gallon, nor XXXX cents per gallon for all gasoline fillups past XXXX days. PLUS the amount of time, energy, effort, and supplies in my attempts to amicably resolve all these issues The wawa credit cards arrived at our residence on XXXX XX/XX/2022 -- i have proof it you need it. I has have proof of both calls to XXXX XXXX card and names of employees spoken with, if you need it 1st statement from wawa cr card received XXXX XXXX, 2022 -- see pages enclosed.

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 2022-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased credits on a social media company. Approximately four months a later, the company accused me of being genocidal and confiscated the credits. The company, XXXX, has no customer service and a history not just of this type of behavior, but ignoring refund requests.

I filed a small claim against them based on that history. The judge all but directed me to use a chargeback. 

Enter USAA. 

Made aware of this, the company hasnt even been able to get the chargeback amount request correct. They are refusing to process the request alternately : A. I waited to long based on nothing. They knew as soon as I did that the company was refusing a refund or not as they refuse to communicate. 

B. It had to happen within 60 days of the charge posting. XXXX, any company can steal back its product at 61 or more and customers are XXXX. 

They refuse to communicate in anything other than vague terms, leaving just enough wiggle room in their deliberately vague terms to deny saying much of anything. 

What they are not doing is processing a charge back after a company stole their product back which is apparently the victims fault? 

When did banks get veto authority over the management of legitimate consumer transactions? When did they get to decide that customer can be robbed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX SE 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/consent. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX BANKXXXXYour company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( XXXX ) EXCLUSIONS -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: CRED Technologies dba cred.ai
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received notice my Cred.Ai account was being closed due to " Too many returns '' This was 2 days before payday I can not access the account anymore I have documents saying my payroll dept sent a deposit before the notice of closure on the account. 

The company is hard to reach, most of the time I don't get an answer. 

I was directed towards my Payroll dept who already said the funds were sent and can not be reversed. 

I just want my paycheck and Cred.Ai isn't contacting me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Equifax well over 30 days ago. The dispute was regarding a collection account with XXXX  for the amount of {$1400.00} in addition to the following collections : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I still have not received an update nor had the fraudulent account and hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX*Balance : {$6000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: NH
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 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 2022-08-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls almost every day, I block the calls on my cell phone and then the company calls with another number. Sometimes more than once a day. I keep blocking and the company keeps calling. Its MIDLAND CREDIT MANAGEMENT. Sometimes it appears on the screen as MIDLAND CREDIT MANAGEMENT and sometimes as MCM. But always with different phone numbers. No matter how many times I block the calls, they call with another number. I do not owe any debts at all this is just a robo call scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Receivables Performance Management, LLC
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:
No Contract exists for A RECEIVABLES PERFORMANCE that starts with XXXX. 
XXXX  refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to XXXX that the information is accurate. This is not so. It's reporting illegally on my 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