BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: CT
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 hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : Experian : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2018-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I filed a complaint with CFPB because Equifax was not reporting my payment history from-XXXX XXXX And XXXX XXXX Now that the case has been closed my score was decreased by 71 points and Equifax is not showing payment history on both of my XXXX XXXX account and, correct Credit limit from XXXX XXXX and XXXX XXXX balance is incorrect and no payment history is showing ..

Now because I am An XXXX XXXX female and I report an error to CFPB I am being discrimimated suddenly. Now I am seeking an attorney because Equifax not being fair and they are not reporting my information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Account XXXX XXXX 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.

This is account needs to be investigated and deleted immediately from my file.

Please send me confirmation once complete.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.

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 2023-03-10
Company: Security Credit Services, LLC
State: TN
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:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: AES/PHEAA
State: MD
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:
XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-02
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:
Dear PayPal Team, I am writing to express my deep concern and frustration over the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error, as I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for many years, and I have always ensured that all of my transactions and activities are in compliance with your policies. Therefore, I was extremely surprised and disappointed to receive notification that my account had been permanently limited. 

I would like to request that PayPal re-investigate my case and reconsider the decision to permanently limit my account. I am confident that upon further review, you will find that there was no wrongdoing on my part and that the limitation was placed in error. 

I would like to emphasize that my account has always been used in a legal and ethical manner, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I understand that PayPal takes its policies very seriously, and I fully respect the need to maintain a safe and secure platform for all users. However, I believe that my account was limited without proper cause, and I would appreciate the opportunity to have my account restored if possible. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue in a prompt and satisfactory manner. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have hired a company, XXXX XXXX XXXX, to negotiate and help me settle the debt. They have sent several cease and desist letters to the XXXX informing them of this. XXXX has ignored all the notices and continued to send me letters threatening to send my file to a third party if I dont contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2022-11-21
Company: Army and Air Force Exchange Service
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a fraudulent account using my identity around 2018 and the company keeps telling me Im still responsible for the debt and I created it

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 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/ I was charged overdraft fees due to some charges that hit my account. 
I contacted Truist in order to figure out how to avoid overdraft in the future and if I could set my card up where I did not get charged if I did not have any money in my account since I had shut down my business temporarily and did not have any money coming in. They instructed me to avoid charges to my debit card, to use the card controls feature, in which I can Lock my debit card from charges, which I did so on XXXX XXXX XXXX 

Truist fraudulently allowed merchants to continue to charge my account using the debit card that was locked. I was notified on XXXX XXXX XXXX via email that I had overdraft fees of {$72.00} ( {$36.00} dollars each ). I assumed that no charges would hit my account since XX/XX/, since my card was supposed to be locked via card controls. 

I was lied to by Truist employees that the only way to not be charged was to use the lock my debit card feature in card controls. If I would have known that it was going to be continually charged on my debit card, I would have just closed the account and waited until a later date to open another business bank account, since I was temporarily shutting down my business.

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 2023-01-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Covid modification due to being affected by Covid. At the time of the modification, I complained to XXXX XXXX that I was not supposed to be charged back interest or for the payments that Shellpoint made on my behalf from escrow. Shellpoint refused to make the changes to the modification and XXXX XXXX said that I had to work it out with the lender. 

In the 1098, Shellpoint shows the principal balance on my loan is {$65000.00}. It shows interest paid is {$8200.00}. 

However to me, Shellpoints statement interest of {$10000.00} on my statement dated XX/XX/2022. It shows the principal is {$75000.00}. This means that Shellpoint is not being honest with either me or the IRS. The overpayment in interest for the year means that I should get a refund from Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have completed and returned a Fraud Affidavit that TD Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm a holder of student loans through navient formally XXXX. Over the past six years they have refused any lower payments. It 's to the point that I pay more for student loans each month than I do in rent. That 's outrageous. They either claim that they do n't offer this, that 's not available, or my payment is as low as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-12
Company: Experian Information Solutions 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:
In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2016-10-25
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and noticed some inaccurate information on my credit profile

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 2023-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MS
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:
For almost two years now, I have been unable to receive my credit report from Equifax online through the customer portal. I have called four times within the month of XX/XX/XXXX, and have been informed that someone would reach out to me within the next 3-5 business days. However, I never received a call or email. I called again towards the end of XXXX and I was informed to send a copy of my DL, W-2 ( for proof of social ), and a utility bill to verify that I am the correct account holder. After doing so, I am still not able to access a credit report nor score through the portal. I am also not able to view an Equifax credit report on myannualcreditreport.com either. The last thing reported on myEquifax.com was dated for XX/XX/XXXX. This report even had fraudulent activity on it. I have never owned an XXXX XXXX credit card for XXXX. They XXXX have gotten my information mixed up with someone else, but I'm not sure how. Over the past 2 years, I have had a lot of fraudulent activity on my report, and it is very suspicious that this seemed to happen around the time that I have not been able to access to Equifax. Now, I access all reports through XXXX and IXXXX, and it is very suspicious as to why I can see things reported on their website, but not through Equifax itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 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. 

PLEASE SEE ATTACHED 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