BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
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 status incorrect

Complaint:
I am writing to file a formal complaint regarding a late payment account that has appeared on my credit report. Despite my efforts to rectify this situation with the credit reporting agencies and the creditors, the issue has not been resolved satisfactorily. I recently reviewed my credit report and was shocked to find that there was an account listed as having late payments that I have never actually missed. The account in question is XXXX XXXX I want to emphasize that I have always been diligent in making timely payments for all my financial obligations. I have never been late on any payments.

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 2022-03-23
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A {$200.00} Vanilla gift card was given to me as a gift and there was a XXXX balance the first time I tried to use it - I called and got a case # but there are hundreds of not thousands of reports that this is their standard operating procedure- they steal your money and do not return it-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: SYNCHRONY FINANCIAL
State: VA
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:
Paypal issued unauthorized hard inquiries on my credit on XX/XX/XXXX. In XX/XX/XXXX, I first found this out when I contacted all three credit bureaus to see what hard inquiries I had on my account. These Credit Bureaus instructed me to contact Paypal and in XXXX I contacted Paypal. Paypal said that they would send a letter to all three credit bureaus to have the hard inquiries removed and they also sent me a physical letter saying that these unauthorized and fraudulent hard inquiries would be removed within 90 days. It is now XXXX and I still have these unauthorized hard inquiries on my credit for all three Credit Bureaus. I have contacted PayPal but they still haven't acted. My personal life has been affected and because of their fraudulent and unauthorized hard inquiries. I have to pay more for everything like financing my car and so many other areas of my life are affected. There due to Paypal 's inactivity, It is my belief that PayPal is actively trying to bring me down because I am a person of XXXX and I think the government should look into possible XXXX bias since my problems still haven't been addressed even though Paypal said that they would address it.

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 2023-03-13
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 604A 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 2023-07-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information on my credit file is not 100 % accurate and not 100 % verifiable under the Federal Fair Credit Reporting Act ( FCRA ) promotes which the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Please review and remove all inaccuracies and unverifiable 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I signed my XXXX XXXX contract, and received the XXXX XXXX XXXX XXXX contract to enlist into the XXXX to ship out XX/XX/2020. This mean, that under SCRA federal Act, I am entitled to the right of canceling any loans, without penalty while entering in the XXXX XXXX service. I provided the necessary documentation, to the loan company prior to, and called the company over the phone. I was told by the representative of the company, that they were not honoring SCRA, that I was still required to proceed with an ongoing payment while going off to bootcamp for the military. There is XXXXXXXX XXXX  as well as XXXX XXXX that I am requesting be removed from my credit report due to these legal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: HI
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:
XXXX on XX/XX/XXXX reported 30 days late. This is inaccurate there is still a pending payment for {$40.00} that has not posted but says posted/ pending posted.im guessing this is was caused an automatic reporting which is not correct because payment was made in time. I also called that week XXXX XXXX can pull the recorded call to their office. I understand this is an error but please remove the recent late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
This is my third attempt to correct this issue through CFPB. Each time Im told by XXXX that theyve corrected the error but the issue is STILL not fixed. Ive contacted them directly since XX/XX/2022 several times with no resolve which is why I turned to CFPB. My mortgage was transferred to XXXX in XX/XX/2022 it was supposed to take 60 days for credit reporting to update. It did update on XXXX and XXXX but NOT on EXPERIAN. The first CFPB complaint XXXX  stated they contacted experian and it would report in 30 days, 30 days passed and no update. I submitted a second complaint with CFPB, XXXX responded it can take 60 days this time. This is my third complaint through CFPB, Im hoping this time they will FINALLY resolve the issue and have my mortgage report to experian!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are with Fedloan Servicing and I am on track for the Public Service Loan Forgiveness program. I submitted my Employment Certification and application for the PSLF and received a letter indicating my payment counts were updated AND that the waiver has been applied to my account. My most recent counts were updated but the waiver has not been applied to my account. There has been no confirmation that they received my Employment Certification for an employer I had in 2012, that will qualify under the waiver, as well as payments I made under my current employer that should qualify under the waiver. I am very close to reaching the 120 payments for forgiveness. My complaint is primarily about the misleading information on the letter I received from them stating that the waiver has been applied to my account when it clearly has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NC
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 have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}

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 explanation
Consumer complaint received 2020-03-13
Company: Westcreek Financial
State: OH
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:
ON XX/XX/2020, I PAID WESTCREEK FINANCIAL IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, WESTCREEK FINANCIAL REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account #, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-09-13
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: Account information incorrect

Complaint:
Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OH
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:
The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TD BANK US HOLDING COMPANY
State: IL
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. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last summer, I found out by attempting to set up internet services with XXXX XXXX XXXX in a new apartment that someone had set up a fraudulent account under my social security number with XXXX XXXX XXXX ( but with wrong accompanying information such as birthday ) to secure XXXX XXXX  services at XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX - account number XXXX. 

I have never lived in the state of Louisiana, purchased XXXX XXXX services, or authorized anyone in the state of Louisiana to purchase anything on my behalf. 

I worked through the fraud process with XXXX XXXX XXXX last summer, culminating in sending a letter to what I thought was a collections agency that they implied over the phone would close the process. 

I'm currently buying a house, and through the mortgage application process have discovered that despite the process last summer, XXXX ( separate from XXXX XXXX XXXX I guess ), sent the same collections debt ( {$610.00} ) tied to the fraudulent account above to a collections agency, Creedence collections, in XXXX and it went into collections in XXXX. 

This is now driving up my mortgage rate more than a percentage point ( several hundred dollars a month for the next 30 years ). The lender I'm working with is saying all they need is a letter from the collections agency stating that once the charge is confirmed as fraud, it will be removed, or to complete the process in 10 days. The collections agency is refusing to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Greeting Team, LLC DBA Customer Care Global
State: CO
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:
On XX/XX/XXXX I received an e-mail that looked fraudulent from : XXXX. I looked up the company from a regular source about the e-mail. It took a bit to find me but confirmed that a personal loan was taken out in my name and XXXX. The address however is not my home address and the bank they sent the money to is not a business I bank with. I also don't take out personal since I have other means to take out money. 
the e-mail stated that " You opened a consumer Loan with XXXX XXXX. As of XX/XX/XXXX you owed XXXX '' which I have not. 
I have not heard anything additional from the company and I am concerned that additional loans will be taken out in my name and that this company will try and collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Affirm Holdings, Inc
State: IL
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. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Affirm Holdings, Inc
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Affirm is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company response to consumer: Closed with explanation