BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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 # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: DC
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. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

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 2022-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage is in CARES Act forbearance. In XX/XX/XXXX I entered a Trial Period Plan with the servicer. Pursuant to the plan, I timely paid servicer 3 trial payments. The final trial payment was made on XX/XX/XXXX. I contacted the servicer several times asking when I would receive the modification documents and was told they were being processed. I called the servicer on XX/XX/XXXX and spoke to XXXX XXXX. She requested trust documents which I sent her the same day. She responded to my email and confirmed receipt of the trust documents. Unable to reach the servicer by phone, I sent a letter on XX/XX/XXXX by registered mail asking that the loan modification documents be provided. I did not receive a response. I called several more times to inquire about the status and was finally told last week that the trust documents had been misplaced and therefore servicer had sent me another Trial Period Plan, requesting that I make another 3 trial payments. I was told the new Trial Period Plan proposal was sent on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received it. I would prefer that the servicer and lender not breach the original bargain and send me modification documents to sign pursuant to the original Trial Period Plan letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
A synchrony bank credit card was opened up under my social, I received a bill with someone elses name. But company refuses to remove this fraudulent card debt from 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
Consumer complaint received 2022-11-28
Company: Park Hill Holdings
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: Public record information inaccurate

Complaint:
Second complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. 

Safe rent made XXXX unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VERIFY THEIR ERRORS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. They did not need to speak to me by phone when they blindly compiled this bogus report, therefore they do not need to speak with me by phone to fix 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 2022-06-24
Company: CCF Intermediate Holdings LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, I contacted Cash Central and made a payment in the amount of {$140.00} to my account, using my debit card. The payment was completed and approved by the CSR from Cash Central ( she was VERY nice ). After we spoke, I checked my checking account and the payment debit was pending. 

On XX/XX/2022, I received a notification that the payment of {$140.00} was debited from my account and payment was successful. 

On XX/XX/2022 at XXXX, I received an email ( included in attachments ) from Cash Central stated that they were trying to contact me to make a payment on my account. I immediately contacted Cash Central and spoke with a lady was NOT helpful, unprofessional rude and very dismissive. I explained to her that I received an email in regards to my account and that my payment was not received. She placed me on a brief hold, and when she returned she stated that the payment made on XX/XX/XXXX " bounced '' and was not posted to my account. I explained to her, throughly, that the payment was NOT returned or revoked, and it completely cleared through my bank. She continued to REPEAT the same exact statement that she originally stated, so I proceeded to ask tell her that I wanted to speak to a supervisor. She then hung up the phone ( YES, HUNG UP ). I called her back and told her that she hung up and how rude and unprofessional she was being. She then proceeded to tell me to email customer service a copy of the bank debit that shows that the payment went through. I told her that every time I email Customer Service, I don't receive a response back and it's just a waste of time. I then asked her if she could provide me with a Supervisor or Manager email address. She then put me on hold and NEVER returned. 

When I hung up, I immediately contacted my bank ( XXXX XXXX XXXX ) and explained to them what the issue was and if they could verify that the payment was either returned or revoked. The gentlemen stated the payment in the amount of {$140.00} WAS NOT returned or revoked and it cleared XX/XX/2022. 

Cash Central is the absolute WORST!!! There customer service is HORRIBLE and every time I call, the calls are handled unprofessionally and my situations are NEVER handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX  XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}

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
Consumer complaint received 2022-06-24
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The information below showed up on my credit report and I have never been notified of any debt owed to any medical provider ever. I had a large emergency visit bill for {$3600.00} that I worked with the medical provider to pay off ( XXXX XXXXXXXX ) and I have paid {$2600.00} of the balance to date. I have no idea where this expense came from and have an impeccable record of paying all of my bills in full and on time. 

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$430.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: V and H Portfolio
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Factoring Company Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$970.00} {$970.00} Terms : 1 Month These are not my accounts. Per where they stated they originated, they have no such store here. I don't own the property they speak of. I have contacted the companies and they still placed the two accounts on my credit report. They continue to report inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MI
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 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 credit score over 719XX/XX/XXXX has me at a score around 590. 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 severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Netspend Corporation
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a fraudulent transaction come out of my Netspend bank account on XX/XX/XXXX from XXXX, the amount was XXXX i immediately called my bank and tried to dispute the transaction but they took no action. I spoke with a supervisor on that date along with a representative with the bank. After an hour on the phone they claimed their was a dispute placed. They also claimed that on Monday the charge would be reversed and I would have access to those funds. 

Today is XX/XX/XXXX and we still do not have those funds. I called again today and tried to repeat the dispute and was told XXXX was never filed that Friday. They placed a dispute today and said it could take 10 days before any action happens.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX. 2023, I sent a letter to Experian requesting that a missing about be added back to me credit profile. XXXX was my this attempt t0 get this resolved. Currently the account is still missing from my Experian credit profile. The account in question is : 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 2022-04-24
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
I filed a dispute with XXXX on behalf of my identity being stolen, a large amount that was deposited into my account then transaction after transaction made upon my behalf that I did not do was aware of nor gave any permisson or acknowledge what so ever of any of this. I filed the dispute on XX/XX/2022. Transactions began & Started on XX/XX/2022. There was a very lot of amounts & transactions, the largest was {$3200.00} which was deposited on XX/XX/2022. Everyday thereafter was a transaction, at different locations for different amounts. I have tried sending any and all documentation i havent received a phone call or an email with any information or action in moving forward to resovle this issue for me. This is a very large amount that i work hard for everyday that someone else has enjoyed and stole. Ive already been scammed on XXXX for {$1500.00} that never gotten resoved or even helped nothing was or has been done. I would be greatly appriciated if i could get some jhelp in getting this XXXX resolved.i look forward to hearing back and getting ths taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/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 2022-06-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt. 

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization. 

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization. 

I urgently request the immediate removal of this account from 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