BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Company: Experian Information Solutions 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:
This account has been satisfied and no additional payments are required on these student loans.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX who is reported on all three of my credit reports, several times through phone via the XXXX they provided on their website, in regard to a account/contract they alleged I owed in the amount of {$460.00}. I have asked in good faith, and according to the FCRA 15 U.S. Code 1692g for the original creditor and paperwork/contract of what I illegelly owe. Furthermore, the account is well out of the statute of limitations, so they can't even legally collect on it anyway. They are destroying my credit with this fraudulent listing, of all three credit agencies XXXX, XXXX, Transunion and are refusing to remove it, even though it is illegitimate and illegal of them to continue to report on this, and continue to harrass me about an alleged debit. Which is also another violation per the FCRA as well as per the Protection from harassment Act 1997. 
Finally, they are also not a licensed debt collector in my state, and couldn't even legally collect if they wanted to, which they can't. This company also has several lawsuits against them as they are known for there illegal pratices with consumers. Your urgent attention to this matter is greatly appreciated`.

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 2019-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2019 around XXXX I received a phone call from Portfolio Recovery after I told them NOT to contact me at my phone and to send me correspondence through mail only, I called back and they refused to give the name of the person who called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Transunion about my address being incorrect.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquires below I don't recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquiries that I did not furnish or approve are : XXXXXXXX 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 2019-09-01
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I wrote a letter to Hunt & Henriques who is apparently working for XXXX ( XXXX credit card ). They had previously sent a letter to me stating I owe {$5500.00}. In my letter to them I requested validity of this alleged debt as well as I stated all documentation sent to my current home address was not valid in XXXX/XXXX because I was not in this home due to a court order. Any information they suggested they sent to me during this time, I never received. Plus due to much desolation, I was prescribed a few XXXX medications and was not myself. So ... I want all the information validated. Well, I received a letter back from Hunt & Henriques stating a bunch of mumbo jumbo legal stuff trying to confuse me stating " XXXX is not a debt collector under federal law. '' And XXXX need not validate the debt. '' And " XXXX is a debt collector under Ca law. '' Then XXXX is expressly exempts original creditors such as XXXX from any validation of requirement. '' At the end of the letter They state " Notwihstanding that XXXX is not required to validate under either federal or state law and that a debtor in NOT AUTHORIZED to request any particular documents as verification or validation of the debt. '' WHAT?? They said I have no authority to ask for validation. I thought it was part of their job. I am disgusted with Hunt & Henriques. They claim to be a law firm ... but I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have applied for a loan at Transform Credit and everytime I put that I have XXXX rent to pay on my home and that I have a co-signer for the loan I'm have denied the loan by Transform. Being denied for the loan is not fair because I don't have rent to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: BAM Management US Holdings Inc.
State: IL
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 am not getting access to my funds from binance, and they are not responding to any of my tickets or escalation request. 

Ticket # XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Opportunity Financial, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I originally took out a loan on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and again on XX/XX/19 with Opportunity Financial , LLC. When applying for these loans Opportunity Financial, LLCs website states that they do not do credit checks with the three large credit Bureaus and that they do not report payments to any of the three large credit Bureaus. I pulled my credit report and they have indeed been reporting payments to the credit Bureaus showing all these accounts being opened and closed and opened and closed and some not closed that I have paid off. I also believe that the company is breaking consumer protection laws because they have allowed me to take out one loan within days or hours of paying off my previous loan causing a vicious debt cycle entrapping me with their high interest rates. If you look at my debt to income ratio I clearly can not afford this loan. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019, My on line access to my account was locked with a phone number that first I was told was provided bay a third party then was provided by Public Records. Synchrony Bank stated that XXXX XXXX XXXX was responsible for providing the phone number from those sources. They could not grant me access to my account. Access to my account was being restricted by my access to a phone number that they had no ideal who had access to the phone. 
XXXX XXXX XXXX was contacted and said they had no access to, nor had the responsibility for providing this information.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX  monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. 

On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Gm financial reporting false info on credit reports this has been disputed and changed several times now in the last few years it was just disputed and changed again on XXXX threw XXXX the info they just sent to the cfpb does not match what there reporting to credit bureas ( do not respond with a copy of the contract as a reply to this complaint that has nothing to do with the wrong info being reported by gm financial ) a response would be dates this has been disputed dates it was wrong dates it was updated for being reported wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-09-01
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
* THIS COMPLAINT IS NOT A DUPLICATE * THIS COMPLAINT IS REFERENCING XXXX IN EXCESS OF AMOUNT NEEDED THUS RESULTING IN EXCESSIVE PREMIUM CHARGE PAID FROM MY ESCROW ACCOUNT THIS COMPLAINT IS FURTHER INFORMATION DISCOVERED AND IN APPEAL TO THIS YEARS PREVIOUS COMPLAINTS IDs ( ALL SAME PROBLEM ) XXXX XXXX XXXX XXXX I WILL NOW NEED THE OVERSIGHT OF CFPB TO INSURE VALID, MERIT BASED, RESPONSES FROM BANK IN ORDER TO INSURE COMPLIANCE WITH XXXX AND CFPB RULES, REGULATIONS AND ORDINANCES. 

IT SEEMS IN PAST COMPLAINTS CFPB HAS FILLED MORE OF A ROLE OF PASSAGE OF PAPERWORK FROM BORROWER TO LENDER AND VICE VERSA.WITH LITTLE REGARD FOR CONTENT I NOW NEED THE OVERSIGHT OF CFPB AND OCC IN COMPLAINTS AND RESPONSES.

ANY ADDITIONAL FILES OR DOCUMENTS NEEDED ARE AVAILABLE UPON REQUEST AS I DO NOT WANT THIS COMPLAINT REJECTED DUE TO FILE ( S ) UPLOAD SIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.

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 2017-04-04
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: SC
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.

Company response to consumer: Closed with explanation