BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
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:
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-06-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-02-20
Company: BANCO POPULAR DE PUERTO RICO
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've been trying to contact this company " XXXX XXXX - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that Banco Popular reported 2 late payments of 30 days on my credit report no matter they told me that was covered. 

The following months are in XX/XX/XXXX / XX/XX/XXXX. 

In addition I opened a dispute and they " Banco Popular De PR '' won't make the proper changes. 

Also, this load has been paid un full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report is showing 9 to 10 entries from Medical Data Systems Inc. for the same amount of {$280.00} and date of service. The only difference is they change the account number so it looks like a unique item when its not. If I contact the company directly the statue of limitation start date will be readjusted. This seems to be a new tactic to create multiple entries on ones credit so they are severely impacted by the medical debt. 

Their info is Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020, I made a skeptical purchase from a company selling XXXX XXXX for {$240.00}. This website was apart of PayPals Buyers Protection.

After two months of not receiving the product, PayPal reached out to the company. The same day of submitting a claim with PayPal, the company marked the item as delivered that had been showing in transit for weeks on end. PayPal told me they could not do anything about my situation. 

Under PayPal, the company name reads, XXXX XXXX. 

Neither did I receive the product, but I am out of {$240.00}. I ended up buying a XXXX from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-02
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 belongs to someone else

Complaint:
Regarding the fraudulent account I discovered on my credit report, I am submitting this complaint. I am contesting an account that has nothing to do with any transactions I initiated or approved. I have filed a report with the Federal Trade Commission detailing the theft of my identity, and a copy of the report is provided. I am an identity theft victim, and my personal information was used to open this account without my knowledge or consent. As a result, I am requesting that you either immediately remove this fraudulent account from my credit report with your company or tell me exactly where you got this information so I can take the appropriate legal action. The fraudulent account I discovered on my credit record is listed below, and it has to be deleted as soon as possible ; XXXX XXXX XXXX Balance : {$50000.00}. Please follow the law and have the challenged account deleted as soon as feasible in accordance with the Fair Credit Reporting Act.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is in regard to the Experian Fico Score and reported late payments on their website. I have run my credit report as has Experian and it shows no derogatory credit. The other credit bureaus XXXX, XXXX have not been affected. On XX/XX/XXXX my Fico score on Experian was XXXX. On XX/XX/XXXX I received an alert from them that it dropped to XXXX. I checked on their website and it stated the factor was a 60-day delinquency. I called and was told my credit was perfect and they couldn't process a dispute directly against Experian. They opened a case number ( XXXX ). Last month their website reported.an additional 30-day delinquency. I called again this morning and a customer service representative reassured me that I have no delinquency on my credit report but they can't change the Fico score the system is generating. I'm guessing their system is merging my credit with someone else 's report. They Can not fix the problem. 
I need their Fico score to reflect my accurate credit score.

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 2022-10-07
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}

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 2018-01-25
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: Information belongs to someone else

Complaint:
I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 2023-01-24
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 Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a 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 Inquiries 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

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 2023-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
The following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-05-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$26000.00}.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 account is not mine. I believe I may be a victim of identity theft.

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 2021-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, I contacted Citizens Bank and relayed my concerns that there were technical issues with my account, in terms of account access, on going ACH depositing issue and password issues. I was assured that the representative with whom I spoke with would resolve this instead, it was temporarily resolved for the month of XXXX but the issue reoccured on XX/XX/2021. 

I reached out to the company on XX/XX/2021 and I was told that they could not refund the fee of {$37.00} which they charged my account as an overdraft fee for non-payment. I had to re-set up another direct ACH recurring transaction between XXXX and XXXX who services my student loan. Ever since I opened this account, I have been having issues. I can not use a bank who refuse to address its poor customer service, delayed response system at the expense of making money. I am unable to process the last time I had a returned fee check and it is with this bank. I do not have these issues with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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 was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of XXXX  to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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:
SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Went to get a mortgage on my house was told upfront all I had to pay was a XXXX fee for credit score andXXXX fee for appraisal fee then 3weeks later thet are telling me I need to get septic lagoon inspected and pay for that they werent upfront with the fees and stuff loan depot lied to me about all the fees and didnt disclose this one to me to me thats fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 someone from credence resource management called me about a debt, they broke several of my consumer rights which is, XXXX XXXX XXXX ( c ) ( a ) states that a debt collector may not communicate with a consumer without the prior consent and with credence resource management being a XXXX XXXX debt collector they didn't have prior consent to communicate with me regarding a debt, another law they broke was XXXX XXXX XXXX ( c ) ( XXXX ) which states that a debt collector can not communicate with a consumer at any unusual time, place known or which should be known inconvenient to the consumer, and last but not least is XXXX XXXX XXXX ( d ) ( XXXX ) a debt collector can not use obscene or profane language which the debt collector used when they stated I owed a debt so I'm requesting for monetary relief persuant to XXXX XXXX XXXX which is civil liability which states that a debt collection agency would owe a consumer XXXX dollars for breaking these laws and this debt collection agency violated XXXX of my consumer rights so I'm asking for a check in the amount of XXXX dollars XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Open Dealer Exchange, LLC
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:
700 Credit/XXXXXXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person.

Company response to consumer: Closed with explanation