BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: MOHELA
State: VA
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:
I called XX/XX/XXXX trying to find out why I had not received a billing statement for XX/XX/XXXX. My normal billing date is the XXXX of the month, so I should have received a billing statement by XX/XX/XXXX. When I reached out to Mohela regarding the issue, they stated they did not have enough time to update my account so my next payment would be XX/XX/XXXX. I asked the representative about XXXX as I am pursuing PSLF and XXXX would have been my XXXX payment. The representative said that XXXX would not count towards PSLF as I would not have a payment due. They are forcing me to wait until XXXX to make my final payment, even though the extension into XXXX was no fault of my own. I just want to be able to pay my Jaunary payment so I can submit my Employment certification form for the completion of the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I would like to know if information in my file has been used against me anyone who uses a credit report or another type of consumer report to deny my application for credit insurance or employment or take another adverse action against me must tell me and must give me the name address and phone number of the agency that provided the information I have the right to know what is in my file. Also all my court records are laid out in the open where anybody can see them as well as all my records all my criminal records my financial information as well as my medical information there's also open accounts as in like home loans car loans and etc and the information is still outgoing and they're still accounts opened it's very hard for me to

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MO
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 called Experian and XXXX after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to Experian and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00}

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requesting that you will make further actions regarding this matter. I called TransUnionXXXX after I purchased a credit report from XXXX XXXX on XX/XX/XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate informations on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them removed from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed XXXX {$180.00}.

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 2021-10-18
Company: Incomm Holdings Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Statements read prior to purchasing XXXX gift card provided instruction on recovering for lost or stolen card purchased at XXXX on XX/XX/2021 ( my birthday ) so I would be able to charge for gasoline etc. instead of using cash traveling from XXXX XXXX to XXXX. As I was exiting XXXX after purchasing this card with my debit card, I had taken it out of the bag and put it into my pants pocket. I noticed when I got to my card, I could not find it. I went back to the Car Repairman where my car was and asked. This is when I was told that one of the service repairman was going to inquire at XXXX Customer Service ( since I had already called and received no response ). 

I called, emailed, and faxed ( XXXX ) information in reference to given Case # XXXX several times. Ultimately, the receipt from XXXX and records requested was submitted and several calls made with contradiction of written advertisement about refunds if lost or stolen. I will provide more pertinent documents and information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX incorrectly reported to TransUnion that I missed a payment. XXXX  XXXX XXXX transitioned my loan servicing to XXXX XXXX XXXX as of XXXX. I am submitting via the attached documents proof that I have not missed a payment. I want this information to be corrected on my TransUnion credit report ASAP. I would also ask that XXXX make sure they submit this corrected information to the other 2 credit reporting agencies to avail me from having to submit further complaints about this issue to the CFPB.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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 XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this medical collections as this is not 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-08-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this decision was made in error and would like to provide the following key points for your consideration : Mistaken Limitation : I firmly believe that the limitation on my account is a result of a misunderstanding or an unintended mistake. I have always used my PayPal account responsibly and have never engaged in any activities that would violate PayPal 's policies. Compliance with Policies : Throughout my usage of PayPal, I hav
e been diligent in adhering to all terms and conditions outlined in PayPal 's User Agreement and Acceptable Use Policy. I take great care to ensure that all my transactions are legitimate and in full compliance with the platform 's guidelines. 

Request for Re-investigation : I kindly request PayPal to re-investigate my account and thoroughly review the circumstances surrounding the limitation. I am confident that a closer examination will reveal that there have been no policy violations on my part. 

Account Restoration : If the re-investigation confirms that the limitation was indeed placed in error, I kindly ask that you reinstate my account at the earliest convenience. My PayPal account is essential for my day-to-day financial transactions, and its suspension has caused significant inconvenience. 

In conclusion, I sincerely believe that my account was mistakenly and unjustly limited. I trust in PayPal 's commitment to fairness and transparency and hope that you will reevaluate my case promptly. 

Thank you for your attention to this matter. I look forward to a resolution that allows me to continue using PayPal 's services without interruption. If any additional information is required from my end, please do not hesitate to contact me at the provided email address. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-04-24
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: 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 items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: MOHELA
State: CA
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:
My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX After many odds job, in XX/XX/XXXX, I enrolled XXXX XXXX XXXX to learn about XXXX XXXX  with the hope that after graduation I would easily find a good job. My major was XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, XXXX XXXX was forced to close down due to fraud activities in a long period of time, plus the teaching quality and curriculum were too out-dated because of their greed. I was in despair for months. As a student I did not know anything about it until the college closed down. I was completely disoriented for a while. However, I could not let my XXXX years of study go easily. I slowly regained my spirit and determination to complete the program I was studying. I tried to transfer my credits to another college, but I was not able to find any college in XXXX XXXX where I live that would accept me or that I could afford to attend. Finally, I found XXXX XXXX in XXXX that accepts my credits from XXXX XXXX. Because I was almost graduate from XXXX XXXX and able to transfer a large portion of credits from there, I only needed to study online in XXXX year ( XXXX ) to complete XXXX XXXX  XXXX XXXX program and graduated from XXXX XXXX XXXX 
However, XXXX XXXX teaching quality made my knowledge crippled, plus because of study online I did not have any support in terms of job placement in XXXX XXXX. I went to a lot of interviews, I even got into the 2nd or 3rd round of recruitment, but in the end I still lost to the candidates who graduated from universities around here. In the midst of extreme disappointment, I was hired by XXXX XXXX to work as an XXXX XXXX, a profession that I do until now with a minimum wage and only requires being a high school graduate to work. Nothing good in return to me after XXXX years of study, except that I have to bear big student loans totaled {$39000.00} ( it was much higher and I paid it down ) in which about {$31000.00} from XXXX XXXX and {$8500.00} from XXXX XXXX Eventually, it was my big mistake to transfer credits to XXXX XXXX  but I did not have a second choice at that time. 
Please help me to get all of my student loans discharged or at least {$31000.00} from XXXX XXXX. I simply can not afford to pay these loans due to my salary level and the expenses of living in XXXX XXXX. I am a victim of an unqualified college which was controlled by the Department of Education. 
Thank you for reading this letter. I really hope you will help me get out of this terrible situation. Please do not hesitate to contact me for further questions. 
Note : In XX/XX/XXXX, I already contacted Mohela ( before it was XXXX ) about this matter but I got rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief