BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX  is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally XXXX had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. XXXX  then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX {$670.00} ) itself, but because XXXX  dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After Equifax breach, Equifax gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX # XXXX This account I asked to be deleted not updated. I sent out Verification letters to this company which I also sent to your company. It was not verified by the said company therefore can not be verified by your company. Before further steps has to be taken I ask that you obey the law and delete this account from my credit reporting I demand you remove all references to this account from my credit report within 30 day. This is the third request for this to be done. Attached is the return letter to verify this company received verification letter. I also have copies 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 2018-04-07
Company: Trident Asset Management, L.L.C.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name 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 non-monetary relief
Consumer complaint received 2022-08-11
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:
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 XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}

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 2023-08-25
Company: Experian Information Solutions Inc.
State: OH
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 have some inquiries on my report that do not belong to me

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 2019-04-10
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
hello I have a XXXX XXXX loan that I have been paying since XX/XX/2008, it was a XXXX twelve year loan. I have been making my minimum payment and I still owe XXXX after ten years. I have spoken to XXXX XXXX manager his name is XXXX ( XXXX ) and he tells me there is no way for me to pay on principal only above and beyond my monthly payments. I have paid extra on my loan multiple times and it all seems to go to interest and fees and isn't applied to principal. I need help if I am ever going to get out of debt. I thought it was illegal for a company not to allow me to pay on principal as long as I was making my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022, I submitted my loan modification application to The Money Source via their web portal. On page 7 of the application there is a question, which ask the customer preferred contact method. I checked the box for email, since my cell phone was about to be disconnected. Later that night, I received a confirmation email at XXXX XXXX, which stated " Thank you for contacting Loss Mitigation, where our customers happiness is our top priority! Please accept this confirmation that your email has been received. We will work diligently to review and respond to your request within 1 business day. '' I had not received an email regarding the status of my application, in over a month. I assumed they were processing my request. 

XX/XX/2022, I received a letter from The Money Source dated XX/XX/2022 which stated they requested more documentation and that they had to receive it by XX/XX/2022 or my loss mitigation application would be closed and they would start foreclosure process/proceedings. 

XX/XX/2022 I called The Money Source customer service department and one of the agents advised me what was needed and that I had to date and sign my letter of explanation, and she stressed to me make sure you receive proof of confirmation which I did as stated in the email response I received that same day at XXXX. She also stated that I should hear something back from someone name XXXX XXXX the person working on my modification, I assume ) in 5 days. 

The following week I received numerous letters from The Money Source one of which was another application for Loss Mitigation. 

XX/XX/2022 I resubmitted my original application, letter of explanation ( I submitted to them on XX/XX/2022 ) and updated financial information to The Money Source via email ( I also included a statement in the body of my email ) in a series of 5 emails. 

XX/XX/2022, following up on my call to XXXX I checked my email and the document portal on The Money Source website. I did not see an email or any correspondence from XXXX advising me on the status of my loan modification. 

I am concerned with the lack of timely response from The Money Source. I have no confidence that they are acting in good faith to assist me in preventing my home from going into foreclosure. I have been diligent in my attempts to provide The Money Source with the reqeusted information they've ask of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They charge me 2 overdraft the same day and i am complain but they are not fix

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 2020-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law.

Bank of America is knowingly reporting false information to XXXX. This inquiry is NOT MINE, nor was it authorized by me, and Bank of America has failed to verify it. 

Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted Bank of America and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : Bank of America Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: WI
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 XXXX I contacted XXXX to update my employment information on my credit report. 

I started a job on XXXX at gXXXX XXXX in XXXX XXXX  and XXXX will not update my info in my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  accounts has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-07-05
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fake email asking for {$490.00} for " XXXX '' purchase through paypal INVOICE XXXXXXXX DETAILS Paypal Team DUE XX/XX/2022 {$490.00} Print or save Powered by XXXX  Dear Customer , Dear Customer XXXX We congratulate on your fist purchase through PayPal.We wanted to inform you that {$490.00} has been authorised by you for purchase of Bitcoin.This amount will be debited from your Bank/Credit Card/PayPal Wallet XXXX 
This charge will appear on your Bank/Credit Card statement as PAYPAL-COINBASE by next 24 hours.

If you want to report or cancel this transaction contact our customer support ( XXXX ) XXXX immediately. 
Bill to Dear Customer Terms Due on receipt Sales {$490.00} Bitcoin Purchase ( XXXX ) XXXX X {$490.00} Balance due {$490.00} Print or save Paypal Team XXXX Totters XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX If you receive an email that seems fraudulent, please check with the business owner before paying. 

XXXX XXXX XXXX All rights reserved. 
Privacy | Security | Terms of Service I have attached but did not open fake invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-02-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid my full Target store credit card balance ( XX/XX/2022 ) via bill pay from my XXXX XXXXXXXX XXXX checking account. Targets credit card servicer, TD bank cashed the check and has accused me of not paying the bill. I have spent hours on multiple phone calls with them over the course of 5 months with no result. Twice I have gotten them on the phone with XXXX XXXX  XXXX, who confirmed that TD bank cashed the check and the bill was payed. At this point, this is fraud and extortion. I have no recourse other than hiring a lawyer which would cost more than the bill they are claiming I havent paid ( {$380.00} ). I have received multiple letters saying my claim is denied, despite sending scans of the transmittal from the bank and having my bank directly fax them the documents. This company XXXX TD Bank XXXX, is committing fraud and theft while posing as a legitimate, accredited financial institution, and I am being relentlessly harrassed by them for a bill that I paid. This is blatant theft and there should be consequences.

Company response to consumer: Closed with monetary relief