BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 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 2023-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 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 explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-01-18
Company: OUT TECH, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While reviewing the overall credit profile, the Bureaus of Account Management continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with XXXX  and on Equifax. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX  XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX XXXX  could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on XXXX  and on Equifax based on me trying to resolve this account with no answers directly from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
State: GU
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Every time I apply for A Citibank AAdvantage MileUp World MasterCard credit card, Citibank declines my application claiming that I have too many revolving credit accounts and they also levy a false accusation of too many delinquencies. My XXXX credit file is stellar for the last 7 years allowed by the Fair Credit Reporting Act. There are no collections, no public records, and no bankruptcies. Citibank has levied a false accusation and denied me my right to fair pattern and practice and credit. I have not filed bankruptcy and my credit payment history is near perfect. Citibank, understanding the rules and regulations within the Fair Credit Reporting Act, continues to willfully violate my FCRA rights and to discriminate against me by declining my credit card application. Citibank reviewed my XXXX credit report where I have only four accounts open and eight accounts paid in full with zero delinquencies. I have : OPEN CREDIT ACCOUNTS : XXXX XXXX credit card account. Balance : {$4200.00} zero delinquencies XXXX XXXX XXXX. Balance {$2600.00} zero delinquencies XXXX XXXX Credit Card. Balance {$200.00} zero delinquencies XXXX XXXX credit card. Balance. {$200.00} zero delinquencies My Income # 1 : {$3300.00} Veterans Administration My Income # 2 : {$1900.00} Social Security Administration My Total Income : {$5200.00} monthly {$62000.00} Annually My intent is to conduct balance transfer of the XXXX XXXX Credit Card balance and the XXXX XXXX  credit card balance to a new Citibank credit card. Citibank is depriving of my right to consolidate small debt. 

In violation of the Fair credit reporting act, Citibank attempts to retrieve old data that is beyond 7 years of age. The Fair Credit reporting Act restricts creditors to the most recent previous 7 years of a consumers credit history. 

I plea for relief from Citibank unfair pattern and practice. 

In addition, I was a victim of Identity theft 7 years ago. I have attached court document that dispute old accounts that are age 7 years and older. See attachments.

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 2023-10-18
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As a recently XXXX XXXX, I became aware of the Servicemembers Civil Relief Act ( SCRA ). I submitted a request to Discover Card on XX/XX/2023 that reads as follows : " As a XXXXXXXX XXXX  XXXX, recently retired XXXX Military veteran, I would like to request debt relief assistance under the Servicemembers Civil Relief Act ( SCRA ) via debt or interest rate reduction for the account ( XXXX ) I have with your company. Attached is my Veterans Affairs XXXX letter. '' Approximately, a 10 days later I received notification from Discover Card that they have closed my account. Per SCRA, " a lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. '' Discover Card violated my rights as a servicemember and federal SCRA laws. I would like my card reinstated, the debt and interest rate reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had credit report run that showed TD Bank had a credit card opened in my name in XX/XX/2019. I never opened that card, meaning someone else used my information to get it. Now, I have an outstanding credit in my name that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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:
I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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 fix these erroneous items. I think you have not validated these items 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. 

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 XXXXXXXX

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with Transunion and on XXXX. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX financial could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on Transunion and on XXXX  based on me trying to resolve this account with no answers directly from the company.

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 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America either sold or transferred my mortgage to XXXX without notifying me and all attempts to obtain information is convoluted and unclear because I always made my payments to BofA. However in XX/XX/2022 they returned my payment, then XXXX started preforclosure on my property in XX/XX/2022. My XXXX  XXXX records show all payments to Bank of America were cashed.

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 monetary relief
Consumer complaint received 2023-11-23
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a member of paypal.com. I made some purchases using their website and via the credit card I had linked to my paypal account. These purchases were then refunded to me by the merchant. However, instead of refunding back to my credit card that was linked to paypal, paypal gave the refund as an account balance. They then closed my account with this {$3500.00} balance and refuse to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.

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 2023-02-08
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter has XXXX XXXX list but received yesterday on XX/XX/2023. 
Claimed I owe a debt of " {$1300.00} '' from creditor I do not recognized. 
List " Date of Service '' on XXXX XXXX, which I thought was past statute of limitations for medical bills in XXXX. 
The company goes by " Phoenix Financial XXXX  ''. 
I have not taken any action as I do not know if this is legal. 
Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Mr. Cooper Group Inc.
State: IL
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:
I am filing this complaint to NATIONSTAR/MR COOPER for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BSI Financial Holdings, Inc.
State: IL
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:
I am filing this complaint to BSI FINANCIAL SERVICES for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF ED/XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3400.00} US DEPARTMENT OF EDU XXXX Balance : {$3700.00} US DEPARTMENT OF EDU XXXX Balance : {$2100.00} US DEPARTMENT OF EDU XXXX Balance : {$5300.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation