BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and 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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, 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:
I sent Equifax a letter to remove two items on my report XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX  Self Account Number XXXX. They sent a letter back stating that the account were " verified '' I then asked for the Method of Verification and to provide me with the 1. Name of the original creditor, 2. The creditors address and phone number, 3. The persons name they verified the dispute with and 4. The documentation used to verify the dispute. I also asked Equifax to please provide a contract between them and I where they have my written instructions to furnish a consumer report on my behalf. Equifax has failed to send me the following information that I requested and has failed to remove both accounts. Equifax is violating my consumer rights according to the FCRA as a consumer report can only be furnished with the written instructions of the consumer and also transactions between a consumer and person is not supposed to be included on my consumer report. I never gave Equifax permission to furnish anything on my report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I signed up for a Care Credit card in XXXX of XXXX as a financing option for a medical service. The initial purchase amount was around {$1200.00}, and I was approved right away during the consultation at the XXXX XXXX. On XX/XX/XXXX of XXXX I was charged {$740.00} of interest alone, which made my total balance increase to over the initial purchase amount. I was never told that this card had deferred interest and if I didn't pay off the whole balance in 24 months, that I would be charged 30 % interest on the initial purchase amount. And I have made payments on this card, to be fair. If I had been told this, I would have never agreed to use this card. The main reason why people are drawn to these credit cards in the first place, is to pay off a debt they can not afford to pay in full, and so the idea of deferred interest seems to directly defeat the purpose of this. In my opinion, these terms are extremely deceptive and fraudulent. This does not sit well with me at all, and this will be the last time I do any kind of business with Care Credit, or Synchrony Bank. They could care less about the people who fall victim to their terms, in fact they have no problem defending the terms as if they make sense in the first place. People are struggling with bills, and inflated prices making it hard to pay for necessities, and I feel like there is no one out there to defend me or people like me who just want to be treated fairly. I guess this is the way the world works now, and if you can't pay the outrageous price in full, then you just deserve to stay behind forever. 

Thanks a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my report and I have notice a few unauthorized inquiries that I am not familiar with. Im concerned with these unauthorized inquiries, Its dramatically damaging my credit score..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Netspend Corporation
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
no actions so far all the above no access to any number involved or email address

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: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I recently checked my credit and observed Syncb/Care Credit has a closed account reporting on my XXXX, XXXX, and XXXX Credit Reports . I called Syncb Bank/Care Credit with intentions to diss the acct that was reporting on my credit reports. I was told by 2 representatives that they no longer owned the XXXX and the accounts were sold to XXXX XXXX. I inquired to the representative as to why Syncb/Care Crecit was still reporting the account to the credit bureaus if they sold the account, and no longer owned the account? The representative was unable to give me an answer and stated these things took time. I also informed the rep that I knew my consumer rights and is well aware that 2 different companies could not collect on or report the same debts. I am requesting that Sync Bank remove all listings of this account with each bureau that they are reporting to. 
RE : Account # 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: PA
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 submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.

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 2023-09-11
Company: EQUIFAX, INC.
State: CA
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, XXXX, and Equifax continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The thirdy party XXXX has an account open in my name that does not belongs to me I continue to dispute these XXXX account that is under XXXX but the credit bureau will not removed these account that are XXXX old and counting. Every year XXXX keep reopening the account I stead of being closed and removed. Under code15us 1681b

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: Nelnet, 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: Old information reappears or never goes away

Complaint:
The thirdy party Nelnet has an account open in my name that does not belongs to me I continue to dispute these 12 account that is under nelnet but the credit bureau will not removed these account that are 17years old and counting. Every year Nelnet keep reopening the account I stead of being closed and removed. Under code15us 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, You are trying to sue me over an account that isnt mine. I have called your lawyers to discuss the matter. They informed me they did not have a copy of the original agreement that was signed. I would like to see that since the paperwork said said the original creditor was XXXX XXXX XXXX  but the charges were done with XXXX XXXX. Im unsure which one it is with the papers that were given to me. I know I did not sign a payment agreement with you or XXXX XXXX XXXX. I would like to get this matter taken care of. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit management company has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. 
Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. 

I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 
They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. 

The alleged debt amount is {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Agency of Credit Control
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I was unaware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inacurate information on my credit report. I have contacted them several times to stop but they are adamant on violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
discover blocked my card during the corona epidemic request a 4506t form which i promptly filled out and they still have me blocked, i did another one for XXXX 3 days ago and they already got it back and i did discover 3 weeks ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My Direct loans ( I have many from many schools ) were transferred to MOHELA. I left my latest school XXXX XXXX XXXX and applied to start paying my loans off immediately. I applied for a new income-based payment plan through the federal aid website and was approved through Federal Aid that also transferred the required IRS information . However, after applying twice, MOHELA denied my payment plan. The only way to contact them ( no email or forms ) is through a phone number. I got two email rejections. My current plan is asking me to pay over {$3000.00} per month. I can not. When I called today, on XX/XX/XXXX, the customer service representative was not helpful at all. She said that I was denied because I need yearly tax returns for each year I was in a income-driven repayment plan! My first graduate loan was in XXXX. I would have to give them 23 years of tax returns. When I noted this, she said, " yep. '' I then said that does not make sense. The requirement from Federal Aid is that I need last year 's income tax to determine my future payment? Why would I need 23 years of tax returns? I owe a lot of debt and am trying to pay it, but MOHELA puts almost nothing in writing, just a note that my application was rejected, but there are no details until we call. This makes no sense. I had these loans all my life. No servicer ever asked for years of returns. They ask for last year. Even mortgage companies never ask for more than one or two. I don't have that information, and the IRS only goes back to XXXX. Many years, I was in forbearance or deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing in accordance with the Fair Credit reporting act XXXX these accounts have violated my rights 15 u.S s.C. 1681 section 602 A states i have a right to privacy 15 u.s.c. 1681 Section 604 section 2 states a consumer reporting agency can not furnish a account with out my written consent/instructions On my Fico -and on my 3 credit bureaus XXXX, balance XXXX on # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete over XXXX XXXX XXXX!!?

Company response to consumer: Closed with explanation