BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Back in XXXX my credit score with Experian was XXXX, in XXXX it increased by 5pts to XXXX, in XXXX it decreased by 15 pts to XXXX, in XXXX it decreased by another 15 pts to XXXX give or take. There is no reason for my XXXXredit score to decrease like this. According to a source that I use, it showed me that the reason for my Experian credit score decrease was because of my XXXX Account XXXX. 

I noticed that my XXXX Account was showing date of last activity back in XXXX was on XX/XX/XXXX and now in XXXX it is showing date of last activity was XX/XX/XXXX. This account was put in a bankruptcy back in XXXX alone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Experian are putting in them, I disputed this account, because it is not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Experian, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation can be provided upon request.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

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 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 2021-12-07
Company: EQUIFAX, INC.
State: NY
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$150.00} XXXX XXXXXXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Finance of America Holdings LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I have attempted to get an answer from the financial institution regarding the FHA Claim proceeds that show up as an entry in my account, which show up at the same time to property was sold, and represent the amount of proceeds that would have been the difference between what was owed on the loan and the sale price of the property. 

XX/XX/XXXX Repayment to Loan Balance - FHA Claim Proceeds {$22000.00} In addition, they continue to charge against that balance for property preservation even though it has been sold since XXXX, XXXX Finance of America XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization

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 2019-11-19
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: Information belongs to someone else

Complaint:
ive sent In copies of my FTc identity theft report asking for corrections to be made.

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 2020-04-23
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2017-10-23
Company: EQUIFAX, INC.
State: KS
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:
i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2017-11-09
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
{$600.00} online bill payment was made from bank to creditor on XXXX/XXXX/XXXX. Online bill payment check cleared bank on XXXX/XXXX/XXXX. Numerous phone calls were made to creditor to resolve matter, which included providing specific information regarding online bill payment details, including check #, date check cleared & bank info for which cleared check was deposited by creditor. These phone calls consumed hours of my time. Provisional credit was issued by creditor on XXXX/XXXX/XXXX, leading me to think matter was resolved. Provisional credit was reversed on XXXX/XXXX/XXXX ( reapplied to account ). Print-out of online bill payment & copy of cleared check XXXX front & back ) was faxed to creditor on 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 monetary relief
Consumer complaint received 2021-06-15
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This was an attempt to collect a debt ( Creditor : XXXX XXXX XXXX XXXX ; Balance Due : {$51.00} ). 

Next, I sent a letter to Transworld Systems , Inc. dated XX/XX/2021 in request of additional information pertaining to this attempt to collect a debt. 

Next, a letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This provided additional information on the materials obtained from the creditor. This included a XXXX XXXX XXXX invoice with three charges totaling {$45.00}. I never received any information from XXXX about any part of this invoice prior to this point. 

The first charge is for a package supposedly sent by me with a charge of {$10.00}. Again, this is the first time I received any information regarding this order. 

The second charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$18.00} is an act of fraud. 

The third charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$16.00} is an act of fraud. 

On XX/XX/2021, a phone call was made to XXXX at XXXX at XXXX XXXX to inquire about the charges pertaining to this invoice. The first representative to answer the call filed a fraud report. Then, the call was forwarded to XXXX ( no last name provided ) in XXXX XXXX. XXXX stated that even though I was the shipper of the first charge, the invoice was an error and I was not responsible for any of the charges of the invoice. XXXX also said that Transworld Systems , Inc. would stop attempting to collect debt from me. 

It should be noted that I have always fully paid the cost and any associated fees of any shipment at the counter for any shipment by XXXX and any other shipping companies. This is fully consistent with what XXXX reported. 

XXXX also stated that this issue has occurred to other individuals. This suggests that it is possible that Transworld Systems , Inc. has collected money from other individuals that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sams club employee pulled my personal information instead of business 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I want to increase my monthly payment by TRIPPLE of the minimum and Goldman Sachs refuses to do so. 
I either am FORCED to continue minimum payments of {$61.00} or the ENTIRE balance of {$2100.00}! 

I am not in a position to pay the entire amount but DO want to pay it off ASAP as of the $ 61 monthly ... my balance only goes down by {$20.00}!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called " XXXX XXXX XXXX '' is reporting on my credit claiming to hold an old debt by CAPITAL ONE BANK. I do not owe this debt, CAPITAL ONE BANK was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
IVE DISPUTED THESE ACCOUNTS WELL OVER 30 DAYS AGO TO NO AVAIL, I HAVE SENT THE DISPUTED VIA CERTIFIED AND COMPANY HASNT RESPONDED. ACCOUNTS ARE INACCURATE AND ERRONIOUS.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: GOLDMAN SACHS BANK USA
State: TX
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 had an account with Apple card Goldman Sachs and I closed my account 6 months. I paid my remaining balance on XX/XX/XXXX but every months I received email from them asking to pay more XXXX XXXX Since i closed my account 6 months ago along with my card, how can they still charge me for money? I dont use the card for so long. 

I called the customer service on XX/XX/XXXX and he said ignore the email or reply back to it, I cant help I kept all my communication and email. This is a very restless behavior and I considered it as a fraud. 

Please investigate it properly

Company response to consumer: Closed with explanation