BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: Waypoint Resource Group, LLC
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:
Waypoint Resource Group reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX andXX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted Waypoint this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX  without providing any information about the XXXX account. I, again, called Waypoint in XX/XX/XXXX of this year and insisted that they research the bad debt. They gave me a XXXX  phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX  but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX  called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX  but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because Waypoint, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX   claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE 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 XXXX Bank Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX  years o 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 2019-07-25
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-03-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I I contacted XXXX XXXXXXXX XXXX Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX XXXX was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, XXXX XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency Experian got it and still would not remove it. I know the phone call was recorded and I let Experian knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep XXXX XXXXollection on credit score remains. This is not right because I feel as though XXXX XXXX LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at XXXX XXXX did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with Experian is not helping AT ALL. PLEASE HELP!!!

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 2018-11-29
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was inquires from TD Auto Finance on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Rosebud Economic Development Corporation
State: MS
Product: Credit reporting 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 have received multiple emails from this company asking me to sign loan documents that I never requested. They have unlawfully accessed my credit without any authorization. They also continue to harass me with offers after I have requested via email and phone for them to stop.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
According to www.justice.gov, Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. The Department of Justice prosecutes cases of identity theft and fraud under a variety of federal statutes. In the fall of 1998, for example, Congress passed the Identity Theft and Assumption Deterrence Act. This legislation created a new offense of identity theft, which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). This offense, in most circumstances, carries a maximum term of 15 years ' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense.

Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C. 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

I DID NOT CONSENT TO NOR DID I AUTHORIZE THE FOLLOWING CREDIT INQUIRIES ON THE CONSUMER REPORT. I SUBMITTED AN IDENTITY THEFT CLAIM TO THE FTC. SEE ATTACHED. REMOVE THE REPORTED UNAUTHORIZED INQUIRIES PER THE FCRA AND TO MAINTAIN MY RIGHT TO PRIVACY.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: TX
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 submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$50.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from University  XXXX   XXXX  in  XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by  XXXX   XXXX  that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed  XXXX / XXXX / XXXX  I believe when Navient took over the loans Account #  XXXX   (  see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over  XXXX  A DAY added in on interest!! This  XXXX  loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over  XXXX  dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!!     Also, I have a parent plus loan that was through  XXXX   XXXX  and now through Navient that is at 8 % interest!!  (  see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is  XXXX  a month. I do n't understand how I am supposed to pay both of these and let alone pay the  XXXX  by itself after all the interest rate that 's tacked on!!     According to the attached documents if I pay according to their payment status I would pay $  XXXX  .THAT 'S OUTRAGEOUS!!      Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-04
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-01
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:
I have contacted Experian via The Experian XXXX XXXX and also via telephone to resolve violations occurring on my credit report I have contacted them and filed disputes at least ( or more times. They refuse to comply. Or provide a proper Investigation under 15 USC 1681. This is grounds for removal of the accounts from my report. I have filed a previous complaint with the CFPB on XX/XX/22 with no avail. Experian took the entire 60 days to provide a final response to the CFPB. When XXXX and XXXX responded within 30 days or less. Not only did they take long they claim to have investigated these accounts i disputed yet these same accounts display multiple pieces of on accurate information on my report. How could you have verified them without confirm all information t these companies are reporting. Also to be noted is how different my Experian report is compared to my XXXX  and XXXX. EXPERIAN IS OPERATING WITHIN ITS OWN RULES. 
Experian has violated my rights on multiple occasions under 15 USC 1681 thus forcing me to again file a complaint with your company Please, this is my last attempt to correct and resolve this issue before I proceeed with legal action against Experian. I have all documentation to prove my case.

Experian, Please delete these accounts You have investigated and reinvestigated multiple times and have not abided by or followed the law My report remains the same!

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 2023-06-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There were collection accounts added onto my transition credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.

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