BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: CBC Companies, Inc.
State: TX
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:
Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, Factual Data to pull a consumers credit report and has Factual Data company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires Factual Data to pull credit who does not have my permissible purpose?? Factual Data openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, Factual Data and owner, CBC Companies Inc, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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:
Requested loan payoff through credit union. The bank incorrectly processed payoff and closing request and reported a missed payment instead. My credit score dropped 74 points on XX/XX/21 as a result of the incorrectly reported missed payment. I opened a dispute and the dispute was found in my favor. The report was corrected but my credit score remained the same. I would like my SCORE to be adjusted to reflect on time payments and that the account was closed in good standing. This is resulting in unnecessary undue hardships on myself and possibly monetary loss as a result of interest rates that are not as favorable due to a low 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 explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 a XXXX  money wire in the amount of {$700.00} was sent to a unidentified individual. Account was hacked and money was transfered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXXXXXX 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 2023-03-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX XXXX TRANSUNION ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXXXXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.

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 2020-10-04
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I woke up to an alert on my credit report from a company titled National Credit Adjust. The debt collector has never sent anything by mail regarding this alleged debt nor have I have any contact with this debt collector. In additional to having no contact with the debt collector, the alleged debt does not belong to me and has been illegally inserted into my credit report obviously causing damage to my credit score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am writing presently in wish to receive your help. At the present time I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant role in this procedure. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
i have contested the late payment on my account. yet they remain and have not been adjusted after the 30-day period.also, all the incorrect addresses link to my credit profile are 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 2021-11-10
Company: FIRST PORTFOLIO SERVICING INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
As of my last ability to contact Peaks Loan ( powered by first associates ) I had a balance on my account XXXX of {$3300.00}. I have been trying to receive payoff information or account information as my loan was under the predatory institution XXXX XXXX XXXX but the phone number XXXX is no longer active. I can not log into the site. I attempted to call the only working number for the portal account ( after clicking " My Account '' ) on XX/XX/2021 at XXXX and was told my loan was changed and given the peaks disconnected number again. When I told them the number did not work they gave me the number for CFPB ( 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 2018-11-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been a victim of identity theft twice I have been through the ringer with equifax They have not obliged to anything I have mailed including two police reports five times very secure yet pertinent information because they will not talk to me over the phone and I can not log in online because of a security question I am answering wrong They had my birthday incorrect in which I fixed and I am trying to get them to remove a consumer statement that makes me look like an idiot because it makes no sense at all I never requested this to be on my report as well I never requested a security freeze for seven years They are taking this way too lightly The other companies and I have come to agreement and they still will not fix anything on my report I have paid about XXXX in mailings to them and the other companies and now most of the companies listed are the companies that bought out fraudulent accounts and the original accounts are no where to be found yet they still will not work with me and Im at my wits end The need to remove all hard inquiries the consumer statement that I did not write and all of the other garbage on there that XXXX and XXXX  have taken care of a long long time ago and this is effecting my credit and I need them to be on the same page as me. Enough is enough I am so sick of mailing them because I can not log in or speak to them I need help. Please for the last time they need to contact me instead of just letting my information fester incorrectly since 2015. 

Please advise and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A man said that he would sell me an iPad and that I had to pay him via Venmo. We agreed that if I did pay him that he would send my item via mail. He has failed to do that and I have spent my money without receiving any good or service in return. Venmo refuses to help me and has not done anything to help me gain my hard earned money back or get them to ship the item I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXXXX/XX/XXXX, I have {$4300.00} within my checking account, savings, and credit, majority kept in savings. @ XXXX I was notified {$77.00} was placed in my account, @ XXXX {$62.00} placed, Total balance {$4500.00}. I tried multiple times at ATM to withdraw, review, and obtain access to my account, getting my balance wouldnt even work, I tried logging in the app that wouldnt work and prompt to be contact support.. I spoke to 4 different people for 49minutes, all of them unable to give me any information, track the location of my money or account, give a explanation, just told me I was wrong about my birthday and that I need to email to resolve issue. I sent multiple emails got different answers ; repeated answers, ignored, chats closed on me, lied too, EVEN a response trying to flip the switch that I requested a closure on one, no resolution, no sympathy, pure robbery, told my accounts were closed and I will receive a check if I have a balance even after making it clear all my money is in my accounts and I will be facing eviction many other issues If I dont have it to pay rent etc. No help at all, pure careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
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:
I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT

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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 explanation
Consumer complaint received 2020-10-04
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:
There is incorrect information on 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 2019-06-28
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been trying to get a home loan when i went to the place to check my Credit they told me I had a card on my account that was in Collections that it will hurt me from getting a home loan I got a hold of the Collection company Midland Funding and paid off the card which was {$620.00} or so on XX/XX/2019 i was about to close on my house when they denied me the loan saying I had missed payment on the card I call XXXX XXXX XX/XX/2019 to report the card a fraud I know I never took that card out so today on XX/XX/2019 I found out my ex took out that card I never approved it and had no idea she did this Ive been trying to get this debt off my Credit report and XXXXl XXXX or midland funding say they have nothing to do it nor is it there probably they just send me back and forth from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates is reporting two collection accounts 1 is from XXXX XXXX - which was charged off in XXXX - and a XXXX XXXX account which is also over 7 years old ; they purchased these accounts in XXXX - but FCRA guidelines for California state debt can only be reported for 7 Years from the 1st original date of delinquency with the original creditor - not 7 years from the purchase date by a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a roofing company and deposited a check on XX/XX/XXXX 
The bank put a hold on it. 
They told me to cal back today and they would eliminate the hold. 
So I did. 
They asked me to give them the homeowners phone number to verify the check which I gave them.

THEIR VERIFICATION SYSTEM couldnt find that number so I gave them the homeowners company and home number. 
They still couldnt find him. 
I need to pay my contractors and chase is no help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 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 non-monetary relief
Consumer complaint received 2023-06-27
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief