BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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: Information belongs to someone else

Complaint:
This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2023-08-04
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 did not initiate these Accounts and I believe they are fraudulent.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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 have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.

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 2022-02-23
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had phone service in my name. Ever. I was only XXXX when this was opened. In Nebraska you have to be XXXX to have a contract. I couldnt have done it if I wanted to anyway. 
The original account was opened in 2018. The amount due is {$1600.00}. Original creditor is XXXX XXXX. Collections company is Jefferson capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account information incorrect

Complaint:
XXXX XXXX has never updated correct amount after receiving payment from.XXXX XXXX  of the prorated payments. This declares this as an inaccurate amount on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: 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.

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 explanation
Consumer complaint received 2017-04-03
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Critical Resolution Mediation LLC
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company is calling my client and threatening to serve her with a non-existent lawsuit. Gave a fake " case no. '' to imply litigation was filed when it was not. Will not disclose loan details or provide verification of the debt pursuant to the FDCPA and is making illegal third party contacts by calling and harassing friends and family. Is threatening and rude and engages in deceptive practices. Pretends to be lawyers or a law firm - they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Riverwalk Financial Corporation
State: NH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: DISCOVER BANK
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, 2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified Discover Student Loans and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
Discover Student Loans is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX  XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I opened PayPal to process payment and receive payment. 

My email on Paypal is XXXX However PayPal locked my account and asked for certain information and after I provided the information PayPal said they would review and unlock the account within 1 business day. 

However, it's 15 business days already and PayPal has not unlocked my account. 

Because of this, it has really affected me from receiving payments from friends and family and I believe PayPal will put things right and unlock my account as my account isn't a risk to Paypal internal security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
SUMMARY : I believe that my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that all XXXX of my loans are considered when I submit my final certification and application for loan forgiveness soon. 

DETAILS : I am a public employee, and I originally had XXXX " direct '' loans and XXXX XXXX loan through the the loan servicer Nelnet. I submitted my XXXX certification in XX/XX/2022, and successfully consolidated the XXXX loan to a XXXX loan. 

Unfortunately, XXXX of XXXX my direct loans were never transferred from Nelnet to XXXX ( or to XXXX, who XXXX have been the XXXX servicer at the time ). I believe they should have been transferred due to their eligibility for XXXX, given that I submitted my XXXX certification in XX/XX/2022. 

I've been reaching out to Nelnet since XXXX, but have not received any answers regarding the status or eligibility of the XXXX remaining direct loans that they still currently hold. When asked about these loans, Nelnet consistently relies on sending template-like responses which not only answer any questions regarding the XXXX-eligibility of XXXX loans, but also seems to completely disregard my requests for guidance on how I can help ensure that these XXXX loans be considered for loan forgiveness within the next XXXX XXXX ( as I anticipate meeting the XXXX requirement very soon ). 

As a quick recap, I believe that all XXXX of my my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that the remaining XXXX loans with Nelnet are also considered for forgiveness when I submit my final XXXX certification/application in the next XXXX XXXX. 

I have email transcripts of my exchanges with Nelnet to support my account of the situation, as well as a history of all correspondence and documents I've received from Nelnet throughout this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: ME
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 have attached an FTC report with inquires i did not apply for or authorize please delete they are affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Blackrock Mitigation Group LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card
Issue: Other fee

Complaint:
Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.

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 2023-02-21
Company: EQUIFAX, INC.
State: IN
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items immediately : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
According to XXXX at the US Department of Education Ombudsman group ( contact # XXXX ) I was to have available an option for Income Based Repayment at 5 % of my income. According to my loan provider ( ACS ), only a 10 % option is provided, which is not affordable for me or my family and has forced me into a forbearance period which I had hoped to avoid. Student loan providers should understand that charging someone $ XXXX a month is NOT an affordable option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX  unauthorized inquires was discovered on my Equifax credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.

Company response to consumer: In progress
Consumer complaint received 2023-07-05
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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