BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
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:
On XX/XX/2021 I contacted Experian because I was not able to obtain a copy of my credit report. I sent Experian a notarized letter with copies of my government issued social security number, ID, my current address and a light bill. Experian advised me there was currently two variations of my social security number and it was linked to XXXX XXXX XXXXXXXX. I asked the dispute the account and was told by a representative the account was being disputed. I later called back 30 days later and the account was never disputed. I was told although I did provide documents to prove my identity. They could not remove the second social security number from my report because it was linked to XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXX on XX/XX/2021 and advised them they were reporting a debt on my credit report that was not mines and I believe is a result of identity theft. After speaking to a female representative, she was not able to locate an account under my name, government issued social security number or any other valid information to verify this was my debt. I called Experian back and a representative disputed the account. The disputed account has now come back " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. how is this even possible when the debt collection agency could not even validate the debt. Experian never even investigated. This is a clear violation of FCRA and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and 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.

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 2021-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint regards Consumer Financial Services, the lender of my auto loan ( hereinafter " XXXX '' ), and Experian, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from Experian, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with Experian regarding my auto loan through XXXX, one dispute was without supporting documentation and the second was with supporting documentation. Both times, Experian denied the disputes, citing that XXXX certified to them that the information currently reported was correct. Experian, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by XXXX. It should be noted that the correct balance and payment history for my auto loan through XXXX is reflected on my XXXX  credit report and no dispute is required for XXXX. I have not been able to check what XXXX  shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with Experian blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to XXXX on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for XXXX shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by Experian for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.

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 2021-06-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-06-22
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-22
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/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 2022-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex-boyfriend reached out to me because he was contacted by Fifth Third Bank numerous times this past month. Fifth Third Bank changed the phone number associated with my mortgage to my ex-boyfriend 's phone number, which is not associated with my mortgage. Fifth Third Bank did not give me an explanation as to why it changed or when it changed. To make a payment, I had to provide my ex-boyfriend 's phone number and then explain the situation, to which they said, " I do not know when or why the phone number changed. '' I talked to 4 different people who merely repeated, " It is fixed now, and that number will never be contacted again. '' I again requested information about when this change was made and was given the response, " I do not have access to that information. '' This is a huge security issue. What if he took out a loan against my house? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting a debt that is incorrect and have failed to verify it in writing. They have refused to respond with the requested verification information and sent me a generic invoice with incorrect information on it. I have certified receipts and the last letter sent on XX/XX/2022 of which they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 non-monetary relief
Consumer complaint received 2021-06-18
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:
There is one account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXXXXXX XXXX I got email stating that they were not able to approve account for new Chase Freedom XXXX On XX/XX/XXXX I got another alert on that JPCMB was trying to pull my credit report for another Chase Freedom XXXX I have 2 hard inquiries that I didn't request a new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
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:
There is one account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/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 2019-01-09
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:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

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 2023-11-04
Company: EQUIFAX, INC.
State: MI
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 recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize 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 2023-06-22
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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:
My XXXXredit File was infested with inaccurate and fraudulent accounts and information being reported without ny authority nor knowledge. I am submitting this Complaint to reqest that the Credit Reporting Agencies remove the disputed accounts and information off of my Credit file, in accordance with the Fair Credit reporting act section 605b. Any and all fraudulent items should be rmeoved from my Credit file. Please remove the following items off of my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. These items have no rights to be reported on my Credit File, and I need the Credit Reporting Agencies to remove these items as efficient as possible.

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 2021-06-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I was a victim of identity theft, I filed a report with the FTC and sent the documentation to XXXX XXXX XXXX XXXX, but they are still reporting this to the credit agencies. XXXX XXXX is trying to ruin my reputation.

Company response to consumer: Closed with explanation