BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: LFG Data Services Holdings, LP
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
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 name : XXXX/Dofed 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 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 explanation
Consumer complaint received 2018-02-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX. 

On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes. 

Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up. 

I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response. 

Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/2020 PORTFOLIO RECOVERY A Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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:
SCHOOLSFIRST XXXX - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete. 

SCHOOLSFIRST XXXX This is not my account. It may belong to a family member. I never opened this account, have no knowledge of it, and have no relation to it. Please verify its accuracy, including name, address of record, date and place of origin, etc. 

SCHOOLSFIRST XXXX - Not my account, Never received anything verifying this is a debt or its relation to me. This is strict violation of FDCPA and FCRA. Please remove immediately. Additional please verify this account is not untimely, inaccurate, unverifiable or incomplete. 

SCHOOLSFIRST XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank/Credit Card Company : Barclays Bank Delaware The below transactions happened in XXXX XXXX of XXXX fraudulently : XXXX  XXXX  XXXX  XX/XX/2019 {$1600.00} XXXX XXXX XX/XX/2019 {$8.00} XXXX XXXX XX/XX/2019 {$21.00} XXXX  XXXX, XX/XX/2019 {$10000.00} I talked to the bank to take actions against these international fraud transactions and initially the bank marked them as FRAUD but later the bank denied and even after multiple escalations for 8-9 months the bank is not agreeing to investigate these charges properly. The invoice sent to the bank by the merchant has incorrect address and phone number and also the signature are not mine. Please help me as the amount is too high for me and need serious help here.

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 2018-04-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have no knowledge of an account that they are saying is 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 2020-03-27
Company: EQUIFAX, 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:
Account # XXXX is older than I am. I was born in XXXX this account shows open in XXXX according to XXXX XXXX. No open date disclosed according to Equifax. Not that any of the receding information is necessary but still in all provided more valid reason for deletion. The phone number for alleged account is a non working number. The account history contradicts itself. It shows 100 % on time payments while simultaneously stating 90 days late 16 months consecutively. I am requesting that this account be deleted immediately from my report it is obviously not mines. If not I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a Chase Sapphire Preferred Card Holder. I have disputed an unauthorized charge multiple times now with Chase that they refuse to act on. I have proved that the vendor was supposed to fully refund and then didn't. I have proved that I am legally in my right to dispute the charge. They will not honor our card holder agreement and follow through on the dispute. Furthermore, now they are being deceptive and saying they haven't received any documentations from us yet they have been mailed, emailed AND faxed. Chase is showcasing deceptive practices on not protecting us as their consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection appeared on my credit reports, I sent validation letters and never received validation, I have disputed it yet they say it's validated, I have no knowledge of this account and I am very dissatisfied that they have not validated it, nor do they seem to care that they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-08-07
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX threatened to sue me for eviction after I filed for assistance with XXXX XXXX XXXX XXXX XXXX. They continued to harass me until I moved out of the apartment. Afterwards, I was notified that the eviction was canceled after my approval for rental relief. They opted not to accept the rental relief assistance, and instead referred a XXXX collection account to National Credit Services . I have disputed this account on my credit report multiple times as I was terminated from a previous job during COVID and had debt assistance that should have canceled the rent. Additionally, I had a deposit contract, as recommended by the leasing company, that would have released me from any obligation to repair or pay and I was charged both in the final invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. 

Thank you

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 2021-10-11
Company: AES/PHEAA
State: AZ
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:
Dear Sir / Ma'am : My loans were with XXXX after I earned my XXXX degree in XXXX. 

In XXXX, I joined XXXX full time. 

I began work toward my XXXX XXXX XXXX in XXXX. 

The XXXX program was inaugurated in XXXX, during which time, XXXX sold me to XXXX without my consent. I was in deferral for 2 years while attending XXXX XXXX between XXXX - XXXX. 

In XXXX, I graduated with my XXXX degree and went back into repayment shortly thereafter. 

For the 8 years that followed, XXXX obstructed my effort to move my loans to FedLoans, while collecting {$42000.00} in loan payments. 

I was able to move my loans to FedLoans in XXXX, with 11 years of XXXX service or 16 years including military service at the time. 

I spoke to a level II CSR at FedLoans in XX/XX/XXXX, and XXXX there, said my payments to XXXX satisfied the ( TE ) PSLF requirement and that my loans would be forgiven. He said to check back in XXXX. 

I followed up on that XXXX conversation in XX/XX/XXXX, and a different XXXX made me feel like a commodity -- 8 years and {$42000.00} truncated over a technicality, when I had been in federal service all during that time. 

As of this moment, I have 16 years with XXXX ( 21 years total federal service ) and have been paying on school loans since XXXX. I've been in repayment for my XXXX XXXX since XXXX which totals 13 years. 

I find it unbearably unethical that XXXX took {$42000.00} from me over an 8-year period ; that my loans have not been forgiven under XXXX and XXXX intends to sell me to yet a 4th loan servicer while my principle sits unmoved at {$55000.00}. 

Is there a way to inject justice into this equation? The damage inflicted upon me, my family and my future is indescribable. 


Please help, and sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Account status incorrect

Complaint:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

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 2019-06-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent numerous correspondence requesting documentation of debt owed. I have no knowledge of this account being opened as it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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