BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.

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 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
AMEX has changed its handling of " cancelled '' credit cards such that a cancelled card will still work with a merchant if that merchant has the card on file. For example, if you cancel your card your old " cancelled '' card will continue to work on XXXX. AMEX 's online portal does not show whether a transaction is made under the old or new card. Nor does not provide an independent means of placing a freeze on transactions conducted under the old card. There is no easily identifiable option on the website to fully cancel the old card. If you contact customer support they will put in an order request to stop processing purchases made on the cancelled card with merchants who have the card on file ( a universe that likely encompasses most of online retail ). Per Amex Customer support, this can take up to five days to process -- this latter fact was only shared after I noted additional charges that were made on the old card. Those charges were not made by me, but they weren't exactly disputable either : they were likely made by one of my nieces or nephews on my deceased father 's XXXX account -- the sort of transaction that cancelling an old card prevents. During my second attempt to cancel my old " cancelled '' card, Amex stated reason for this continued, unwanted charging of my credit account against my wishes was " convenience. '' However, they did not specify whether this was convenience for me or convenience for the numerous merchants who rely on subscription fees for their operating model. Indeed, I am reminded of a merger agreement I was saw in which there was considerable concern that the party being acquired might have to disclose the fact to its customers that they were being bought -- since more than 90 percent of its revenues were derived from customers who had not used those services in over a year and had likely forgotten they were auto paying. This was well before the ubiquitous rise of XXXX and other subscription fee models. My opinion is that this is likely a structural fraud designed to benefit merchants at the expense of consumers who would naturally expect that subscription services on cancelled cards would no longer process. Worse still, is the absence of readily identifiable means of seeing that charges continue to process from cancelled cards and the relative difficulty ( I have contacted Amex 4 times prior to filing this complaint, including requesting to be contacted by a member of their XXXX department ). Indeed, I am not entirely certain if the requests I have made would result in " all '' charges being declined under my old card. If it this difficult for a XXXX XXXX XXXX to cancel a cancelled credit card there can be no reasonable expectation for the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  XXXX was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. Transunion, XXXX, XXXX  wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.

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 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Over the past 3 months I have been sending letters to Transunion to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following account : XXXX XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want Transunion to correct the violation so no other action will be required.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 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 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
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 a hard inquiry on my credit report from XXXX XXXX Bank. I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt from XXXX XXXX XXXX  is charged of and closed on my credit report and I want this to go away on my credit report this is a result of identity theft

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is currently reporting the following accounts as being delinquent. The account listed below are not delinquent, the inaccuracies are a violation of the Fair Credit a reporting Act. The status of the account listed below shouldnt be showing as delinquent they all have {$0.00} balances and not delinquent.According to the Fair Credit Reporting these accounts must report with its current status and they are not delinquent. Theres nothing in witting signed by me saying I give Transunion permission to report the following accounts to my credit file please remove the delinquent status to current. 

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
Consumer complaint received 2023-10-02
Company: Resurgent Capital Services L.P.
State: IN
Product: Credit reporting 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 am a victim of multiple data breaches resulting in identity theft. Not able to login to XXXX, XXXX, XXXX. Been receiving email alerts my credit score dropping weekly due too inquiries. Credit Reporting Agencies have incorrect addresses, ssn #, phone numbers, names. Four credit cards have been opened using some of my information. This has been happening for 5 years. Disputed items on credit report with Lvn Funding. The information according to XXXX  XXXX has a address in Michigan. I have never lived in Michigan. They have failed to provide sufficient explanation of how they verified this information. I have never signed Contract with lvn funding nor do I appreciate my personal information being distributed and has affected my inability to obtain credit. It is a embarrassment and humiliating to be called uncredited worthy for accounts I did not apply for. I have XXXX hard inquiries I have no idea who they involve or detail. Lvn funding states account {$590.00}, XXXX XXXX  {$300.00}, XXXX XXXX  {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Georgia Student Finance Authority
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To satisfy an alleged debt with the furnisher, I agreed to make payment toward the account GSFA Loan Servicing are reporting. According to the agreement, which I included for your review, the defaulted status removal was contingent upon the on-time payment of XXXX XXXX monthly AFTER 9 consecutive months, the probationary period starting XX/XX/XXXX, and ending XX/XX/XXXX. I signed the contract to solidify this agreement, XX/XX/XXXX. However, the report retroactively dated this payment to XX/XX/XXXX, which is false because during that the account was in default with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies or engaged in any activity that would warrant a permanent limitation on my account. I have always used my account in accordance with the terms and conditions of PayPal, and I have never engaged in any fraudulent or unauthorized activity. 

Secondly, I believe that this limitation was placed on my account due to a misunderstanding or error on PayPal 's part. I have not received any communication from PayPal regarding the reason for the limitation, and I am not aware of any suspicious activity or violation of policies on my account. 

As a loyal customer of PayPal, I strongly believe that the limitation placed on my account is unjustified and is causing me undue hardship. I am unable to access my funds, make payments or receive payments, which has caused significant inconvenience and financial loss. 

Therefore, I kindly request that PayPal re-investigate my case and restore my account if possible. I am willing to provide any additional information or documentation that may be required to resolve this matter. 

Finally, I would like to confirm that the email address associated with my PayPal account is XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9700.00} 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 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
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Manhattan Beach Venture, LLC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I am continually contacted by a student loan lender wanting me to consolidate my loans. The company is " The Student Loan Relief Department '' and they leave messages that are deceptive in nature. In general, the name seems to be deceptive in nature as well. The company calls and leaves messages that lead the consumer to believe that they are your federal student loan lender and need to talk to you about your loan to entice you to call them back. Their name and practice of their advertising/marketing is misleading.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of American Express has been reporting negative information onto my consumer report. The negative report says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data '' Please be advised. I am aware This is EXTORION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I called the company ( Mariner Fiance ) the moment I notice this account on my credit report. I first asked the company who were they and what is it that they do exactly, I was told that they do unsecured and secured loans. I then informed them that I noticed that there company has an activity on my account and I have never done business with them. I gave them my information and told them I was a victim of identity theft. I was then told by the company that they were going to look into what happened and remove the account. They never did. I have been disputing this account for a while now.

Company response to consumer: Closed with explanation