BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: TX
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 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

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : XXXX XXXX Remark Removed From Account. 

I called the major credit bureaus ( Equifax, XXXX  ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with XXXX  to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called XXXX XXXX and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with XXXX  might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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 have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX XXXX XXXX XXXX XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX  XXXX Account # XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-29
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
DISCOVERBANK, balance is {$0.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CW Financial
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2013, I applied for a payday loan from a fraudulent company that is presumably based overseas. I applied for a loan of XXXX dollars and never received the money. I canceled my application and was then harassed by the fraudsters that ran the company. They called me nonstop for a month straight, threatened my life, tried to extort me. Last week I received a phone call from Crestwood Management a scam law firm that represents this " payday loan '' company. I talked to a woman over the phone named XXXX. She told me that I am XXXX in debt, for the loan I never received in the first place. And applied for almost 9 years ago. Apparently, I will receive a summons in the mail tomorrow, I was notified of this via text from phone number XXXX. I was told to call XXXX if I needed more info. I called and they tried to set me up on a payment plan of XXXX dollars for 10 months for this loan which I never received. 

I am also notifying the XXXX XXXX XXXX and the local authorities of this scam.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-07
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:
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 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 2019-10-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$48.00} USD to a PayPal member for tickets to an event Transaction ID : XXXX on XX/XX/2019 XXXX XXXX with PayPal ID XXXX XXXX sent : {$50.00} USD Mr. XXXX did not transfer the tickets and promptly shut down his XXXX profile and account so that I could no longer communicate with him. Researched the profile of XXXX XXXX on XXXX and determined he resides in XXXX!!! He was supposed to be in XXXX Georgia!!! 

Contacted PayPal and they said since the transfer was technically " authorized '' there was nothing they could do even though it was clearly a scam. Said all they could do was make a note on the account about my experience. 

I'm out {$50.00} and have no tickets and am furious with PayPal 's lack of tighter restrictions on their members to be able to do this sort of thing and with the press of a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Report Agencies are saying that this account was open back in XXXX of XXXX in the amnt of {$520.00}, however, I never opened this acct with this company back in XXXX. This amnt needs true verification or needs to be removed from my credit report. I submitted an online dispute with the Credit Agencies online and stating that this amnt has been verified and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2600.00} XXXX : XXXX XXXXXXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-03
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About 95-100 days I put a complaint in with PNC Banking XXXX Due to money missing from my account. As long as the investigation was going my account was fine. The day of the investigation ending {$50.00} or more dollars disappeared. This has been an ongoing thing for awhile a now. Although its small amounts of cash and at my pay rate all my cash is accounted for being its low income. Yesterday I had a total of {$180.00} in my account. I believe it was {$3.00} which was scheduled to come out my account with my card lock on, for my XXXX. I thought it was XXXX stealing from me, now Im sure its an inside job. Preferably someone that knows me. With the pictures you can see I added {$200.00} from savings to my checking which made my balance {$230.00}. I added {$50.00} of that to XXXX. In the process of doing that {$3.00} transaction fee was added to my account because I went over my limits bringing my total down to {$180.00}. Definitely not understanding how my account is at {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, I sent XXXX a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!

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 2022-11-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-20
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AS OF XXXX XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} {$190.00} No. of Months ( terms ) : - - - High Credit : {$190.00} {$190.00} {$190.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 explanation