BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX, I sent XXXX, Experian and XXXX a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2022, I accepted a settlement in the amount of {$3000.00} as full and final settlement of my account, and I opted to make your payments by debit card ; however, this is still extremely difficult for me to pay in spite of my best efforts. The Big Picture Loans representative informed me that if I were to not make these payments on time the settlement would be null. I don't feel this company is fair or cooperative enough given how extremely high the interest charges and installment payments are. I need help please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: AR
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:
On XXXX, I sent XXXX, XXXX and Equifax a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ON XX/XX/2022 I, SENT TRANSUNION A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS. IT HAS BEEN PAST 4 BUSINESS DAYS, AND TRANSUNION HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) TRANSUNION HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. TRANSUNION VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. TRANSUNION IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING 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 2021-08-02
Company: EQUIFAX, 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:
I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: TX
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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer. 
They also violated my rights numerous times. The credit hurosue vinlated my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate 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 2022-11-25
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX  XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.

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 2022-06-06
Company: EQUIFAX, INC.
State: DE
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:
These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: MA
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 disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a text message stating a bank of America edd card was needing my information to activate this card to transfer in my account. 
It sent a link to fill personal info. 
I called bank of America and they said it was a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: General Motors Financial Company, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Account was put on credit report, causing loss, financial hardship and denial of credit. No proper deficiency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My PayPal account ( XXXX ) was Parmanently limited yesterday with my money. PayPal had asked me to provide documents to prove that the account is mine. I submitted the documents that they requested. After some few minutes they Parmanently limited my account claiming I have been engaged in risky activity which is not true. I had used my account only twice to receive money from my friends. I can't understand why they messed me up and give me very petty reasons. The account is mine and the documents submitted are mine and I can prove that at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
Experience is charging me monthly to see my credit score. I check my credit score before I apply for credit and experience shown my credit score as XXXX but when I apply for credit they tell me experience is reporting XXXXthis is cause of me to be denied and receive inquiries in my credit because the are reporting inaccurate information.

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 2022-06-22
Company: Experian Information Solutions 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:
Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that 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 non-monetary relief
Consumer complaint received 2022-06-22
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:
Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXXXXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX disputes have been sent and received by Equifax from XX/XX/2023 through XX/XX/2023 regarding an unrecognized XXXX account. Investigations have either been ignored or poorly conducted. The account is riddled with errors and shouldn't be on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Is reporting a balance on my credit report that does not belong to me. I want it removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 602 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized charges on my debit card, but was never notified by fraud protection department - nobody reached out to me in any way. I had to read about it from others online. It has been impossible to get through to anyone in customer service, sometimes there has been a 2+ hour wait! Ally bank has not been forthcoming about what is going on, no communication/statements whatsoever. I shouldnt have to hear through the grapevine that my card has been compromised!

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