BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX  XXXX : Account # XXXX XXXX : Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX In accordance with the Fair Credit Repair act Convergent Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an 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 2023-06-14
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-11-27
Company: EQUIFAX, 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:
On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of Equifax Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Payment was due on XX/XX/2023 with auto-pay enabled PayPal Credit claimed to attempt draft and claims to have been rejected PayPal Credit fined me {$30.00} for failed payment - posted on XX/XX/XXXX On XX/XX/2023, I called PayPal Credit XXXX Synchrony Bank ) to inquire and they simply said it was rejected by my bank I called my bank - XXXX XXXX XXXX XXXX routing # XXXX ) - and they had no record of any indication of an attempted draft from any of my accounts for the auto-pay amount I called PayPal Credit back to report this and was told " remove and re-add your auto payment account to see if that fixes it '' and offered to waive the {$30.00} fine ( a 30 % penalty! ) Although it is financially corrected, there resolution does not satisfy my concern that their systems are automatically fining for what I believe to be a problem on their end. They did not investigate the failure and essentially said " this happens sometimes '' and that cost me quite a bit of time to figure out how correct.

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I did not give Transunion permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Transunion from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. How can you validate MY debt without sending the documentation Ive requested so I can VERIFY? These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Transunion updates my disputes stating that it is verified, WITHOUT them sending me any of my requested documents showing that I owe this debt. How can you validate MY debt? Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Transunion and the debt collectors via disputes to provide a copy of the written agreement that created my original requirement to pay. In addition, a copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Transunion is obligated to send me proof as I have requested several times as well as I did not give Transunion permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.

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 2022-12-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: World Acceptance Corporation
State: IL
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:
someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and XXXX  this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2017-09-22
Company: EQUIFAX, INC.
State: LA
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 submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and deployed this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me

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 2023-05-17
Company: EQUIFAX, INC.
State: DE
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Company is Portfolio Recovery and they are trying to collect an old XXXX on Credit Card debt. Today they called from a number that was id as XXXX XXXX on my phone caller id. When I called back the recording said Portfolio Recovery, they are calling almost every day, I spoke to them 2 months ago to come up with an agreement and informed them that I still could not pay how much they were asking for, the rep insisted that I had to give a credit card number and she would put a future date on it. I explained to her that any date she puts is not a guarantee that I can pay as I was still not working and even though I was interviewing I had no prospects so not sure how I was going to pay. They stopped calling for a while and started calling back every single day, and today at XXXX pm I got a missed call that said XXXX XXXX XXXX. Since I did not file taxes as I have no income to report, I called back and the recording stated Portfolio Recovery, not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My husband and I used Uplift financial services in paying for a XXXX trip by XXXX XXXX. XXXXl agent at the time of check-in misplaced the travel document of our child and ended up denying us the cruise we planned for and have refused to refund our money. Since we paid through uplift financial services, we reached out for consumer protection from Uplift to dispute the payment made to XXXX for never providing any service, and we are finding out that Uplift is biased on this matter, refusing to offer us any protection as consumers who have been ill-treated by a merchant. As consumers we need protection from companies like uplift who provided the financial services but in our case, Uplift has refused and denied us that. Therefore, we are filing this complaint. Our loan ID number are XXXX and XXXX belonging to my husband and myself- used for the same and one purchase. We feel that XXXX and Uplift have connived to carry-out such evil and wickedness as in our experience. We should be treated as victims here, having ruined our vacation by misplacing our travel document, refusing to take any responsibility and to add salt to the injury refusing us our full refund. Uplift should provide consumer protection from a deceitful and irresponsible company like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-01
Company: FC HoldCo LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a care credit credit card opened fraudulently in my name without my permission or consent or knowledge with a credit limit of {$1200.00} each month I have been given a bill for this account and continued to pay it to avoid my credit being ruined over some credit card I didnt even open myself I have no knowledge of who opened this account and I do not wish to continue to have to pay for a card that isnt mine

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 2023-07-23
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It was the whole problem how Great Lakes service loan provider, switched my loans to Nelnet and how things were handled. It was a security exchange act as well as indenture trustees information and would like for these to be discharge if not to be reported to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.

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 2023-05-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent dispute letters to take away the inaccurate information and the credit agencies havent done it, its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Navient Solutions, LLC.
State: CO
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:
Navient improperly denied my IDR application as " too early for recertification '' when I am clearly requesting a new IDR plan. 

Navient is failing to act in good faith. They are fraudulently seeking to collect more money than what is owed rather than process my IDR plan as required by law. 

They are impossible to communicate with or work with. You can not call, or otherwise communicate with them in any meaningful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my name is XXXX XXXX i am writing to delete the following information off my file. the items I need deleted are listed in the report i am a victim of identity theft and did not make the charge i ask the items to be deleted to correct my credit report i reported the theft of my identity to the federal trade commission. please delete these these item as soon possible these negative remarks are holding me in attaining not only a mortgage but a car loan.

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