BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX auto finance, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove 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
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DP OF EDUC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Account status incorrect

Complaint:
collection account is showing as open and is allowing the creditor to keep updating the status and balance on a closed account. this is violation of metro 2 guidelines

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 2022-11-11
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I was trying to get a refund on XX/XX/XXXX and I ended getting scammed on the phone by someone pretending to be an XXXX employee. The man said he could get my refund through PayPal. First he sent me XXXX dollars and told me to send it back in which I did. Then he told me to send XXXX dollars and he said XXXX send it back but he didnt and disconnected the call. I was able to get the XXXX back but then on XX/XX/XXXX the PayPal account of the fake XXXX employee filed a chargeback case on me and for the XXXX that he sent to me even though I sent that money back to him and left PayPal account in the negatives and PayPal is forcing me to it even though I have proof that I returned the money to him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XX/XX/XXXX payment to XXXX XXXX XXXX. They cashed the check on XX/XX/XXXX and then the loan was transferred to Community Loan Servicing. Community Loan Servicing has not posted my payment although I have called them several times and provided them a copy of the canceled check AND my bank statements for XXXX months showing the check was cashed and the funds taken from my bank account. They now say I am due for the XX/XX/XXXX payment even though I have paid through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
the problem is that i cant log in to my online profile and i call to see if they can help me to reset my password and they dont want because i dont have a social security number and i explain them that is important for me because i lost my phone and i really want to updated my phone number and email so nobody else can log in but they dont want to help me also i request a debit card because the one that i use to have they just closed it when i never request to close my card and the solution for them is to step on to a branch but at this moment i can go im in mexico and there no way for me to cross

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Receivables Performance Management, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added XXXX debit cards to my checking account. I reported fraud with XXXX XXXX  and closed all my accounts and reopened new ones. I then contacted the XXXX credit bureaus to add a fraud alert. On XX/XX/2022, I noticed XXXX derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by XXXX XXXX XXXX and XXXX XXXX in the amount of {$78.00} reported by Receivables Performance. I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions

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 2022-02-08
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.

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 2022-12-02
Company: EQUIFAX, INC.
State: MD
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:
Back in XXXX or XXXX I submitted letters to first premier, XXXX XXXX and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the identity theft Bureau and now along with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: AZ
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 sent Equifax and XXXX an FTC Identity Theft Report via USPS Certified Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX  on XX/XX/2022, which they received on XX/XX/2022 and XX/XX/2022 respectively. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( Per 15 U.S. Code 1681c-2 ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called Equifax and XXXX today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and both companies claimed they were not obligated to remove the fraudulent items from my account, even though XXXX had already removed the fraudulent accounts from my credit file. For this reason, the items still remain on my Equifax and XXXX credit report and are still causing me and my reputation personal harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to Navient and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to Navient they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: CA
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:
recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX : XXXX, & XXXX XXXX : XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( a ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer repost, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability foe willful noncompliance [ 15 U.S.C. 1681nl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XXXX XX/XX/XXXX, I purchased XXXX NetSpend prepaid cards at a XXXX XXXX and paid for them at checkout, as well as pre-loading {$40.00} on each one ( totaling {$240.00} ). 

I did not understand that they are not gift cards, that they have fees I consider unreasonable, and that they would require identity verification before the recipient could use them. When I got home, I discovered these problems, and decided not to give them as gifts and just return them and get my money back. However, XXXX XXXX not accept the return, saying they could not get the pre-loaded money back. 

On XXXX XX/XX/XXXX, I called XXXX to ask if I could return the cards. They said I could not because they can not get the pre-loaded money back. 

I proceeded to try to activate the cards through netspend.com/activate, as printed on the sticker on the card. I was able to activate XXXX card, and the {$40.00} showed up in my account. However, I could not activate the remaining XXXX cards, or otherwise transfer the funds I had preloaded on those cards to my account. 

I then called NetSpend support and explained that I was trying to get my money back on these XXXX cards. The phone call lasted XXXX minutes and ended with instructions to activate the cards through their website, which I had already tried and still wasn't working. 

On XXXX XX/XX/XXXX, I again contacted NetSpend through their Secure Email function on NetSpend 's website while signed into my account, explaining the situation, and asking for the funds to be returned. I again was provided with instructions that did not help. I replied explaining that the provided instructions did not resolve the issue, and NetSpend offered no solution, simply telling me that for security reasons, I would have to call in to resolve the issue. 

NetSpend is denying me access to the funds I pre-loaded, and I want my funds returned. I do not want the cards.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  
FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: American Credit Acceptance, LLC
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:
On XX/XX/2022 I informed American Credit Acceptance who was reporting an unlawfully inquiry on my consumer report. I ask the company to send me the document with authorization with no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on 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