BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


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 XXXXXXXX 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 2023-04-13
Company: Experian Information Solutions Inc.
State: OH
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:
Good evening This notice and communication is to inform the consumer financial protection bureau Add commercial world There is miss information being reported on my credit report by XXXX There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without XXXX removing it. 

There's also a new collection on my account from a XXXX party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from XXXX party debt collectors on my credit profile thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My XXXX XXXX  was the victim of a crime. He was contacted via XXXX. A stranger persuaded him to accept the images of 2 {$4000.00} checks, deposit them into his checking account and transfer some of the money back via Venmo. 
Check # 1, {$4000.00}, was deposited on XX/XX/2021 Check # 2, {$4000.00}, was deposited on XX/XX/2021 Venmo transfer # 1, {$3500.00} was on XX/XX/2021 Venmo transfer # 2, {$1000.00} was on XX/XX/2021 We've contacted Venmo to dispute the charges but they do not seem to be taking the matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am sending a complaint in regard to a recent notification on my credit report. The information reported is inaccurate and is leading to a negative impact on my credit file. I am including proof and the information on the credit report is incorrect. Please investigate the late dates reporting on this account. The month 's reporting does not match my records. Please correct all late reporting on this account. XXXX XXXX XXXX XXXX : {$54.00}

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 2021-01-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I'm currently unemployed and have several student loans outstanding. I applied for an income based student loan plan XX/XX/XXXX. Navient refuses to reduce my student loan appropriately. They have information on my income from both the unemployment office and my latest tax return. I have talked to them on several occasions and sent them the following information based on these conversations : XX/XX/XXXX Original application XX/XX/XXXX Deposits and transactions from XXXX  XXXX XXXX unemployment account XX/XX/XXXX Unemployment insurance payments from the State of Arizona XX/XX/XXXX Unemployment insurance payments from the State of Arizona including deductions for XX/XX/XXXX ( which shows XXXX taxes deducted ) XX/XX/XXXX Letter stating that my income is now XXXX ( My unemployment benefits ran out ) XX/XX/XXXX PEUC Unemployment letter from the State of Arizona and a letter stating that these benefits are taxable. 

However, they say that because the unemployment information does not state if it is taxable or non-taxable they can not put me on this plan. I have told them that the income is taxable but apparently that is not enough for them. When I didn't have income and my benefits ran out, it appears that they conveniently never received this form. 

Honestly, I believe they are scamming millions of people right now. This is there way to keep from putting people on these plans and being able to charge additional interest and late fees. Please help me and find a way to get on this plan and keep this from ever happening again. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: WA
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 a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that Experian, XXXX, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.

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 2021-01-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2019-11-26
Company: EQUIFAX, INC.
State: UT
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:
Equifax & XXXX are still reporting inaccurate information by XXXX XXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checking my credit on XX/XX/2022 there was a collection from allied collection XXXX of {$3400.00}. From the original creditor 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 2019-06-12
Company: Perfection Collection
State: MO
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:
Company is in violation of the FDCPA and US Bankruptcy laws. I filed chapter XXXX bankruptcy on XX/XX/2019 at the XXXX XXXX of Missouri with case number XXXX. The company has threatened to file suit against me on a debt included in bankruptcy. The company is in violation of the automatic stay according to bankruptcy code by contacting me. The company is in violation demanding payment on a debt included in bankruptcy. Misreprentation of being attorneys that will file a suit if not paid. Violation of promising to remove debt from credit reports if I pay them ( again they have no rights to collect since the account is in bankruptcy ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transunion, XXXX, XXXX are purposely messing up my credit scores.

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 2021-01-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for quarantine. I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted XXXX  and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by XXXX XXXX, the pandemic. They told me over the phone it would be no problem. I recieved a response back from XXXX on XX/XX/2020 denying my request. I then disputed it with Experian, XXXX, and XXXX and was also denied because they said XXXX verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.

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 2021-01-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying for two days to resolve the issue of my " bank '' refusing to deposit my {$600.00} stimulus payment into my account. I know several people who use the same " bank '' who have already received their payments and yet I have received a big XXXX nothing. What's worse than the hoarding of the money that is due to me, when I confront them about it, they continually bold faced lie and tell me that they " haven't received it '' when I know full well that this is a lie and they are covering for the fact that they were caught holding my money. I gave them a XXXX XXXX deadline to give me my money and this deadline has now passed and Chime continues to lie and refuse to release the money I know full well that they have. Therefore I have initiated a complaint to force them to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item 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 commission 's 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 2021-12-08
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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 XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-02-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Equifax Supervisor, ACCOUNT IN QUESTION XXXX This is my 11th attempt to contact you about this account listed ONLY on my Equifax credit report. Every time i contact you nothing is done and I am ignored. As a United states citizen, i have the right to dispute errors on my credit report that doesn't belong to me. When i keep disputing this account with ACTUAL PROOF your company ignores my requests. I have been sending proof that this account doesn't belong to me since 2018. 
I have WRITTEN proof attached below from the company stating that they do NOT have any account or ever had a account in my name. Since your breach my personal information was stolen, my precious information! I would think that your company would listen to the consumers since you breached our personal information. I would like you to REMOVE this false reporting account from my credit report. You have a hard copy proof attached that they account is NOT mine. I also want to state, every time i report this to you, my score drops over 20 points. This is unfair as i pay my bills on time and work very hard to keep a clean credit report. Please fix my account and remove this false statement from my credit report. I would hope a real person reads this and can sympathize with me. I do not want to have to write in again. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2022, I made a payment in the amount of {$650.00} to Nissan XXXX towards account XXXX. I received confirmation from the Nissan XXXX that the account was now back in good standing and the car was no longer in repossession. I also made arrangements with Nissan XXXX to resume making payments, as I previously was doing. 

On XX/XX/2022, the day that my kids began their first day of school, I awoke to the horror that the car was gone. I contacted Nissan XXXX and I was advised that the car was repossesed. The only way to get the car back was to pay off the balance in the amount of {$24000.00}, as well as the Repossession fee of {$550.00}. 

Upon reviewing the Nissan XXXX Statements from the month of XXXX, XXXX and XXXX, I don't see the payment of {$650.00} that I made. This payment was debited to my account on XX/XX/2022 but was never recorded with Nissan XXXX. This omission of the payment is what led to unethical and illegal repossession of the vehicle, which also turned my life upside down. 

In the absence of the vehicle that was illegally repossessed, I was forced to resort to taking XXXX trips at a significantly high cost over the past week, as well as renting a vehicle for 2 days, in order to get around. In addition to this, the fact that there is now a repossession on my credit report, has made it virtually impossible for me to lease another vehicle. 

Needless to say, I feel extremely violated and taken advantage of by this entire ordeal. Whenever I spoke to Nissan XXXX, and they asked me why I suddenly fell behind on my payments, I explained to them that in the past few months, my expenses suddenly skyrocketed. My cost for gas, food, auto insurance, etc, increased to the point that made it extremely difficult to keep my head above the water. My plan, at this point, was to look for a 2nd job, so that I can still make ends meet and cover all of my expenses. 

I contacted the repo company, XXXX XXXX @ XXXX and I was advised that the XXXX XXXX is still at their lot at the moment. It has not yet been sent to auction. 

How could this happen in the United States in 2022??? I feel so let down by the system. I voted for President Biden with the hope and understanding that the economy would improve after the covid pandemic. I really hope and pray that you can assist me with making this right.

Company response to consumer: Closed with explanation