BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report Ive noticed a number of errors. As concerned and unaware to me there was incorrect personal information on my profile. I sent Transunion a letter explaining that the names and address on my profile arent true and to please fix this. 
I received an update of the information disputed that did not remove this untrue information. This is concerning because publicly credit bureaus sell your information to whomever wants to buy it and this means my privacy and livelihood are being violated. Lawfully to protect my rights and privacy there is only one name and address i have. All other names and address portrayed in my profile are open invitation to identity theft, prescreens, mail, etc are being sent to the illegal names and addresses on file. 
Please delete the following untrue information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only legal residence is XXXX XXXX XXXX, XXXX, MD XXXX. 
My only legal name is XXXX XXXX. please update your records accordingly my safety is on the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Was overlooking my credit card statement as I was having trouble paying down my balance and found that predatory card security fee that Synchrony Bank states I clicked on, knowingly that I didn't or would ever agree to that. They were charging me small subliminal " Card Security Fees ''. The operator at the phone number of XXXX told me I clicked on a free 90 day trial that in turn rolls over to a {$1.00} per XXXX $ balance charge on outstanding balance. I asked them how long I was paying for this as I had no idea what was being charged, they stated I was paying them it since XXXX. I continuously pay down my credit cards and never have paid interest and everything is up to date. I unknowingly was charged these monthly fees every month until todays date when I called and told them to refund the fees that I did not agree upon. Every month that there is an open balance, I was charged {$1.00} per {$100.00} outstanding for a service that was never disclosed to agreeance on. I would have clicked no for a fact as a credit card security fee is never necessary upon my stable above average credit score. 

The crazy part to me was that they were willing to refund me {$260.00} of the total {$430.00} that I paid into it. I told them no, this was not acceptable as I want a full refund. The person who I talked to then said they would forward to a resolution team with the same predatory fraud answer and hung up after I told them I want to speak with a supervisor. This call occurred on XX/XX/XXXX @ XXXX PST. 

Dates of charge are from XXXX - XX/XX/XXXX. This company is the scum of the earth and only refund a portion in hopes they keep 40 % and only offer 60 % back to the consumer who had no idea they were paying towards a unknown, not approved fee. Why else would they hold 40 % for themselves and not agree on the entire amount. They state their system shows I approved it. I want tangible proof recording that I did so. Not some automatic system that toggles, " well I show you enrolled ''. NOT TRUE. LIARS AND THIEVES.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}

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 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; 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 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NC
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:
Submitted an Equifax investigation into error on credit report for a closed loan in XXXX. They continue to report an error in XXXX although the loan details clearly state loan was paid off in XXXX. 
They investigated and updated details stating as much, but continued to report a status code in XXXX while showing it was paid and closed in XXXX. Incompetent at best, negligent and fraudulent at worst. 

The company has told me to dispute it with Equifax and it has not resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to place to remove a security freeze via the Equifax website and also via their phone system. It gives me the error message that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This is impacting my ability to get a loan to purchase a home. Searching online reveals that this appears to be a common problem that people encounter only with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Waypoint Resource Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put RECEIVABLES PERFORMANCE MANAGEMENT , LLC, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
RECEIVABLES PERFORMANCE MANAGEMENT , LLC XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: LEXISNEXIS
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:
On XX/XX/XXXX l, XXXX LexisNexis sent me three letters one XXXX another to XXXX XXXX and lastly to XXXX all the letter states that the information that I dispute it was removed but yet these three companies still fail to remove them in. LexisNexis stated that they sent the information to the reporting companies and everything should be removed. The three companies are still reporting the in accurate information and which is supposed to been removed according to LexisNexis. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital one credit card customer servise just is not there. there were XXXX charges for the same transaction on XX/XX/XXXX. We tried to talk to the business there was no one there since it was a car wash. 
Capital one sends an alert when something like that happens and says on the alert if that should be disputed. when I pick that option the the message is " oops something went wrong, try later '' when yo try later same message keeps repeating. when you call they dont pick up and calls drop. 

last year we ordered a chandeliar online. it was defective. Could not be used. They would not return the money unless I physically returned. since we do not have a way to return such a latge piece and the merchant would not pick it up for a charge we were never given our money back. 

When a defective product arrives and they dont fix it ( merchant ) we bite the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PNC Bank N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. PNC Bank and XXXX XXXX XXXX  have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

-cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-13
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am sending this letter to request your assistance with a collection agency that appears to have a long history of consumer abuse. Example : there is a class action lawsuit against them in South Carolina XXXX # XXXX dated XX/XX/XXXX and a staggering amount of complaints online. 

I have reached out to the creditor but have not received a response. I have been declined a request for housing because of a recent collection account placed on my credit that did not have the opportunity to validate. Hillcrest Davidson and Associates is reporting a collection for an account that has never been validated, I have never heard of either the collection agency or the original creditor being reported. They made no attempt to validate this. Instead, they instantly showed on the report that they opened a collection in XXXX of XXXX. I sent an email but no response. This single account violates several laws including but not limited to the CFPB Regulation F, FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FDCPA Section 807 ( 8 ), FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FCRA Section 623, FCRA Section 605 ( c ), and FDCPA Section 806. The account was for XXXX XXXX and I have no idea how that can be. I looked them up and they appear to be an XXXX XXXX. I have had XXXX for quite long time, and have no issues with them. That is the only alarm system I am aware of. 

I requested they provide me with the following : What is the money you say I owe is for. 

Explain and show me how you calculated what you say I owe. 

Provide me with copies of any papers that show I agreed to pay what you say I owe. 

Identify the original creditor. 

Prove the Statute of Limitations has not expired on this account. 

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I informed them that if they had reported invalidated information to any of the XXXX major Credit Bureau XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud under both Federal and State Laws. 


I asked them to please remove the account in question until such time as this is resolved. By refusing to do this they are defaming my character and causing me financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
I just received my reinvestigation back from XXXX XXXXXXXX XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ).

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 2023-06-14
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax, and XXXX are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences

Company response to consumer: Closed with non-monetary relief