BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
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:
Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2023-02-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXX XXXX Prior to XXXX, they were serviced by Fed XXXX XXXX XXXX with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed XXXX XXXX no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
Equifax states in a previous dispute that Fed XXXX XXXX states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by Equifax it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for Federal Student Aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Starting in XXXX I couldn't use my card. When calling customer service they said their system upgrade caused issues. Since then ( roughly six months ) they have reported my account closed - I confirmed with their rep it is not. This caused a big drop in my credit score. They refuse to issue my card, which is now expired. I've asked numerous times why and they continue to say " system upgrade issues ''. They have no reason to close my account and it shows open online ( see documentation ). A large company should not be messing with peoples credit like this. It's very strange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: CT
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, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; XXXX weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries and a account I do not recognize

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 2023-10-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent written notification to Convergent Outsourcing requesting documentation of any contractual relationship between myself, & Convergent Outsourcing. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Convergent Outsourcing {$610.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

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 2022-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. XXXX sure that someone have my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-06-03
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I have tried to close my PayPay account numerous times as I'm not satisfied with their service or practices. I only have {$1.00} balance but I am more concerned that this company is holding my personal information including, Name, SSN, Phone and Credit Card Account number against my wishes I have been unable to speak with a person and instead get stuck in a circular string of text and web " help '' that has been useless. I honestly don't care about the {$1.00} but they should be able to send me a check. 

Please understand I have been the victim of identify theft and credit card fraud in the past which has been a ordeal. I'm concerned that this company could misuse my information or be hacked at some point. I want then to close my account and delate all my personal information. 

Thank you very much for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX - cell

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Lending Club Corp
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: KS
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:
The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023 I Submitted a complaint to you all regarding XXXX XXXX reporting my XXXX XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, Experian ). XXXX XXXX followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the XXXX  XXXX bankruptcy information was not removed and XXXX XXXX did not complete the demands stated. They actually did nothing. I am at Witts end with XXXX XXXX. XXXX XXXX has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. XXXX XXXX, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. Experian, XXXX, and XXXX all obtained this information illegally from XXXX XXXX under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!

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 2022-02-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We spoke with Chase when they closed the account. My husband has been a very long time loyal customer to Chase. He always made on-time payments. We were shocked they closed the account. We fought with them about this matter and explained the impact he had with no over time at his work anymore wish was a financial burden but also for health reason he had to take a lower paying hourly job as well. We also were hit with the Pandemic. We have tried to work with Chase in regards to closing the account but couldn't get anywhere. We have tried to work with them on payment arrangements but they won't speak to my wife on my behalf to set them up. We also feel that since they took away our credit privilege 's ( closed account ) without notice or for no reason we have chosen to not make payments until this issue is resolved. For someone who has been a valued customer without any issues to the account until the last few years this is wrong. There is no reason to treat a valued customer like this. We have also written a letter to have a file with them for my wife to speak on my behave to find that there is no letter and they will not allow collections to speak with her. We have also called them to be hung up on and to listen to the rep hold the phone without saying anything while caring for children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert on my credit on XXXX XXXX by a company called XXXX XXXX management on behalf of XXXX XXXX XXXX I called & spoke with them & explained that my wallet had been stolen back in XXXX & that I did have an account with XXXXe that I had did a settlement for {$1200.00} & they asked me to mail proof & I did & the charge was deleted. Then on XX/XX/XXXX another company called XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported the same {$700.00} again. Ive been a victim of identity theft. If you check my credit report, you will see the charge was deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation