BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
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:
On XX/XX/2023 I Submitted a complaint to you all regarding XXXX XXXX reporting my XXXX  XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( Transunion, XXXX, XXXX ). XXXX XXXX followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the XXXX  XXXX bankruptcy information was not removed and XXXX XXXX did not complete the demands stated. They actually did nothing. I am at Witts end with XXXX XXXX. XXXX XXXX has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. XXXX XXXX, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, Transunion, and XXXX all obtained this information illegally from XXXX XXXX under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!

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 2023-10-19
Company: EQUIFAX, 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:
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. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Alpha Recovery Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am not sure if this is a system glitch but I have made several attempts to reach Alpha Recovery Corp . They recently placed an account on my credit that was already paid. I have been denied financing because of the error. I can not reach them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NY
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:
It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce

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 2023-10-03
Company: EQUIFAX, INC.
State: AK
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX on XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and XXXX  claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: EdFinancial Services
State: SC
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 made a payment on my student loan for {$250.00} on XX/XX/XXXX. Three weeks went by and still nothing had been taken off of my loan and there is nothing EdFinancials website stating that I made a payment. Despite the fact, that it took the money out of my bank account, I have a confirmation email for the payment from EdFinancial, and it is shown on my bank statement that it was taken out. I then sat on hold for three hours waiting for someone to pickup the phone at EdFinancial, only to be told that they do not know where my money went and can not help me. I then submitted my bank statement and screenshot of the payment confirmation email that was sent after I made the payment so that they could review it and apply it to my loan. It has now been another week and I have not been contacted, nor has my money been applied to my loan.

Company response to consumer: In progress
Consumer complaint received 2023-03-20
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-11-11
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection from AFNI, INC for an account with XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: WA
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 the following Accounts has violated my rights : XXXX. 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent MEDICREDIT, INC a debt validation letter on XX/XX/2020 and they sent back a letter on XX/XX/2020 saying they need additional infromation as they are currently investing the matter. I sent them my name and address and I have yet to hear anything back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bridgecrest Acceptance Corporation
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: Reporting company used your report improperly

Complaint:
This creditor has violated my rights under 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 an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2020-12-29
Company: Navient Solutions, LLC.
State: NC
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:
On XX/XX/XXXX, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the secretary of education extended the emergency relief measures for ED-held student loans until XXXX XXXX, XXXX. 

In contradiction to federal law, Navient is forcing me to make payments during this extension period and possibly reporting on my credit files as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off a debt with XXXX XXXX XXXX XXXX XXXX and they updated my credit to reflect that so on XX/XX/XXXX my score went up XXXX. XXXX XXXX XXXX XXXX XXXX XXXX put the wrong information on my report by changing the loan type from Unsecured to Automobile. I had to call them and they sent updated information to Transunion to correct the issue. When they did that Transunion reran my credit report and dropped my score by XXXX on XX/XX/XXXX. I called Transunion and the said I needed to dispute it to correct the issue, I couldn't at the time as I was applying for a mortgage. I disputed the issue with Transunion at the beginning of XXXX and they corrected my score by raising it XXXX on XX/XX/XXXX. However on XX/XX/XXXX they dropped my score again by XXXX and closed the dispute saying they found no issues. I opened another dispute for the same thing after calling and talking to them about it. This latest dispute is over 30 days bow and it is now missing from their website.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2020-12-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance on XX/XX/2020. The title company XXXX XXXX XXXX submitted payment for taxes in the amount of {$2300.00} and it has since been posted to the XXXX county tax assessor. The current lender NewRez ( ShellPoint ) also paid my taxes but when we contacted the county they advised that the lender 's payment was rejected and return via Batch number XXXX. Title and I have wasted many hours on the phone trying to get this resolved and my monies returned to me but we never hear back. My last call was on XX/XX/2020 with title and a New Rez Supervisor and they said they would personally call us back in 2-3 days and still nothing. It has now been over 2 months and with no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX and XXXX XXXX, I notified Chase and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. 

I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX credit card on XX/XX/2020, was told that I don't have any existing credit account on my Equifax Account. I have checked with all of my credit issuers, and they're indeed reporting to Equifax. 

I called Equifax on XX/XX/2020, and was told the same thing and to fax/mail my documents to verify my identification, and was told that it should be received within 3-5 business days. 

I faxed over my SSC and DL on the same day. In fact, 3 copies in case one of them is lost. 

On XX/XX/2020, I called back Equifax 2 times to check the status. The first call confirmed the documents are received on XX/XX/2020, but the call was hung up later. The second call got escalated to a manager, who also confirmed the documents are received and read me my cover letter of the fax ( which is correct ), but they can't help me at the time because it was late and the specialists of the relevant department are already off work. I was given a confirmation number XXXX and told to call back again the next day. 

I called again on XX/XX/2020. 3 times in fact. None of the specialists who picked up the phone says they can find my document ( the one I faxed over ) nor the confirmation number that was given to me. Explanations were not provided and 2 of the calls were hung up. 

It is absurd that Equifax asked me to fax over my documents again when they have already received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information listed doesnt belong to 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 2023-11-12
Company: EdFinancial Services
State: WI
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 made a payment of {$6600.00} to my Edfinancial services school loans and at first it said the payment was processing but now nothing is showing up and my balance is still the same but the money was taken out of my bank account.

Company response to consumer: In progress