BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiry without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. TransUnion has failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXXXX/XX/2021

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 2020-12-13
Company: EQUIFAX, INC.
State: UT
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 XXXX has taken my case against XXXX and I am requesting statements from XXXX to XXXX from XXXX XXXX and XXXX XXXX. I need to have copies for my records. As this account had fraudulent balances that were never resolved by XXXX. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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:
XXXX authorized a credit card for XXXX XXXX XXXX XXXX in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of 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 2023-07-07
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-07-25
Company: EQUIFAX, INC.
State: GA
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
PAYPAL FORCEFULLY blocked my good credit cards to purchase things securely. 
They didn't explain what exactly is the issue but I believe i as a consumer has a right to buy items using Paypal! There is no security threat to buy legitimate items on XXXX! 
I can not buy even {$10.00} items on XXXX at this time. Causing a great break down on my XXXX XXXX   and stress + time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NC
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 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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 2022-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfoliorecovery was calling me 4 to 5 times a day. I called back and asked who they are and why they keep calling. They were looking for my daughter. I told them she has not lived here in over 4 years and remove my number. They stopped calling for about a month then it started again. I again told them she has not lived here and stop harassing me. It stopped for about a month and has started again. They have called starting XX/XX/22. They are calling again. I have not called them again. Twice is enough to tell them the person is not here. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by XXXX  and XXXX  but still reappears as another collection. The newest date shows XXXX which is false.

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 2020-06-17
Company: EQUIFAX, INC.
State: MD
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 notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

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 2023-09-06
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently XXXX XXXXXXXX and applied for relief from the XXXX  relief program offered by FHA. Then I asked for the XXXX stand alone resolution. I was on XXXX forbearance for 90 days. After my request for the stand alone program, US BANK without informing me or asking my permission, removed me from forbearance, sent me a repayment plan which I rejected in favor of the stand alone program, and falsely reported me delinquent destroying my credit rating from over XXXX to XXXX. The removal of my forbearance occurred roughly 30 days into my 90 day allowed forbearance. Had the forbearance remained intact there would be no reason to declare me delinquent. Following this process would mean everyone who applied for FHA XXXX relief would have their credit damaged for simply applying for aid. Obviously this wasn't the intention of the program or should be the result. This could easily be resolved by simply removing derogatory statements from my credit report that are obviously their fault, but they refuse.

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 2023-09-06
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Once again Zelle is preventing our clients paying {$2500.00} or more to our XXXX XXXX, thus killing our business. Please investigate and advise. Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX I attempted to use my card to find out it is declined. I call Citi to find out that my account has a fraud flag on it. The only way they are willing to verify my identity is to mail a form to my home that I no longer live at ( moved 2 days ago ). I then requested to have my account closed which they refused to do. At this point I just want my account closed and to never bank with citi again.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX  student loan provider states that they have been attempting to auto deduct my payments from my bank account without success and my public storage payment at the beginning of aXXXX was declined as well. I have not received any fraud notifications and I have called Chase numerous times and verified my identity they are ruining my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Advanced Resolution Services Inc.
State: GA
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:
On XX/XX/2023, I sent in a letter to requesting Advance Resolution Services ( ARS ) to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified of the results into this investigation. The investigation concluded by stating the bankruptcy was properly associated with me and cited its information came from The United States Bankruptcy Court Middle District of Georgia. The same United States Bankruptcy Court Middle District of Georgia also verified they don't furnish any information to any credit bureaus. For Advanced Resolution Services ( ARS ), a credit reporting agency, to verify information contradicting signed documentation from the United States Bankruptcy Court Middle District of Georgia for it's own financial agenda is a complete violation of my rights. I intend on holding ARS liable for any undue hardships received on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2020-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the sixth request for my credit report. One of the associates said it was complete and sent me a letter showing it was completed and sent another letter asking for more information. I had previously sent them a drivers license and social security card but they wanted more. I am not employed anymore but retired. So how can I send them an employment certificate. Now they want a birth certificate. I was not born here but I sent them all they needed to release the FREEZE on the now sent another letter for kids certificate. I do not have any kids and who the XXXX said I had kids for you to be asking for certificates and a copy of my report you sent to me. I will send you a copy of legal action in the next letter and will be my last letter to you if want to play games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
I have several accounts that were not mine. Not even my name. XXXX, equifax have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies equifax and XXXX  keep saying verified. XXXX  has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a goodys card that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: TN
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 notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
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:
Currently on +1-hour automated hold with XXXX. Have been trying to reach a person on the phone for weeks to no avail. It is not immediately evident how to do a loan payoff on the site. 

On XX/XX/23 I was able to get an automated message that I have until XX/XX/23 to do a payoff of the full amount, however no instruction was given on how to do that. It is XX/XX/23 & they have been accruing interest on my loan since XX/XX/23. This seems like intentional negligence to drive up interest for profit.

Company response to consumer: Closed with explanation