BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
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:
I am a victim of identity theft and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. Can you please delete and block the following fraudlent information from my credit report. I sent in my Identity theft documents consisting of my FTC report, Section 605B of the FCRA. See attached documents. They never removed the fraudulent account from my credit report. I have provided proof showing that this account is fraudulent and that I'm fraud victim. This is a fraudulent account and it doesn't 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-10
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is from a on the job work injury. I was transported by my employer to XXXX XXXX XXXX XXXX, to receive XXXX XXXX XXXX XXXX Workers comp 100 % responsible. Both Lj Ross and XXXX XXXX agree my employer is responsible. But still send me into collections, instead of billing my employer. 

Total trying to collect is {$250.00} from XX/XX/XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NV
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 many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected

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 2021-10-21
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
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:
Experian NOTICE OF VIOLATION FCRA 623 FDCPA 806 { b } which states that the creditor must enter a notice of dispute, if this is not entered the account can not report on the credit report XXXX you are in violation NO NOTICE OF DISPUTE AND you claimed you did an investigation which you claimed validated with out posting in dispute for past 6 months REMOVE THIS ACCOUNT AT ONCE you are the only reporting companies that has not removed accountYou have all evidence from XXXX  and my self sent through the CFPB occ XXXX and XXXX that clearly shows that the account was fraud inXX/XX/2014 and not made by myself nor did I have anything to do with 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 2020-02-02
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
Factual Data has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery associates have garnished and illegally accessed my life and personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I contacted paypal today and was told they hold direct deposits for 1-2 pay periods. I receive ssi and if the hold my deposit, I will accumulate late fees in the amount of {$50.00} a day starting XX/XX/XXXX. My rent is due no later than 3rd. The representative I spoke with at XXXX confirmed this and so did a rep on their XXXX  page. Those reps on XXXX then proceeded to give me the wrong customer service number. The cash card I have is held by XXXX XXXX  for paypal, not netspend. What they told me today doesn't match what their website for the cash card says, please see it at https : //www.paypal.com/us/webapps/mpp/paypal-debit-card? kid=p50274079852 & gclsrc=aw.ds & & gclid=Cj0KCQjwqrb7BRDlARIsACwGad7D9Nc33dNhyvqz-MjKDUVC9k3Prmdst0KdXVtkHAwaTnCyOL29ZwYaAmk7EALw_wcB I was advised by the rep on the phone to contact social security and have them change my pay date but for this to be in line with PayPals terms, that would have to be 1-2 months ago and I didn't sign up for direct deposit through paypal until this month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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:
In XX/XX/XXXX I disputes a bankruptcy showing up on my credit report. I received results of the investigation which identified XXXX XXXX as a third party agency to whom Equifax verified the information. I question the validity of that statement because my XXXX XXXX has been frozen since XX/XX/XXXX. Equifax is being untruthful which is causing me a great financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: IL
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 called the credit agencies and informed them the accounts attached are not to be reported to my consumer report. I never gave permission.

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 2023-07-25
Company: Concord Servicing Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did sign a contract with XXXX XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. 
Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. 
I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. 
I did stop with my bank the automatic payment that was provide when I was signing the contract. 
Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX multiple fraudulent transactions were charged to my Barclay credit card in the amount of {$1000.00} from XXXX XXXX XXXX and again on XX/XX/XXXX multiple fraud charges from XXXX XXXX XXXX of {$990.00}. I disputed these charges last year and all but these two charges were returned to me possibly due to an oversight because of the same dollar amount on the same day. In XXXX XXXX XXXX, I contacted Barclay to let them know these had not been refunded, they apologized for the oversight and told me in two weeks they would be credited. It is now almost 6 months later and Barclay has been giving me a run around, I have spoken to the fraud department, I have spoken with multiple managers, I have waited the " two billing periods '' for the refund and no resolution. Every rep has acknowledged the oversight and most recently when I last called again on XX/XX/XXXX the rep stated she has no estimated time on when this may be resolved which is absurd. For over a year now, this oversight and lack of action on Barclays behalf has negatively affected my credit score, my debt to income, and the amount being charged in interest is very high on money that is due to be refunded.

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 monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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 2023-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of America prepaid refuses to return all my money clearly violating there own policy it's my XXXX  and there treating me like a criminal... ..I have filed several claims with these people.. I have been XXXX, homeless, starving and stranded because they don't want to pay.I filed a claim months ago now some of the claims are lapsed and they won't I'm in XXXX Missouri, not Iowa not California ... .The amounts and dates they refuse to pay for are XXXX XX/XX/XXXX Iowa,XXXX  {$600.00} CA,XXXX {$200.00}, {$200.00}, {$77.00} Iowa XX/XX/XXXX {$300.00}, {$300.00} , {$23.00}, XX/XX/XXXX XXXXiowa, XX/XX/XXXX {$200.00}, {$200.00} Iowa, XX/XX/XXXX {$200.00} XXXX XXXXiowa This was just the half they won't pay they gave me {$650.00} like that was gon na make me happy or something.They refused payment twice and I got ta keep filling for 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 monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Why are you indicating that XXXX # XXXX is negative in XX/XX/XXXX if the account was settled in XXXX of XXXX. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.

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 2023-08-22
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I the 3 past month, Im loss my job, In XXXX im begining working again but the XXXX XXXX XXXX in XXXX Tx Phone XXXX Are calling several times to my work in my hours working and perturbe my mind with intente to collect the past due payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
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 - XX/XX/2021 XXXXXXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, 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 2022-08-27
Company: AMERICAN EXPRESS COMPANY
State: IL
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 was told I would be allowed to cancel by the manager of the business and the credit card company refused to recognize my position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I disputed this account numerous of times with XXXX  and Equifax XXXX  did the proper investigating and removed it from my report. XXXX. XXXX  and equifax both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 XXXX  is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX 3 XXXX  is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle and accepted dealer financing through Honda Financial Services. After repeatedly being thrown off their website when I tried to register for online payment, I called them and found out that an incorrect social security number was used on my account to check my credit history and apply for financing. This means that my credit was based on someone else 's credit history/score at the time of financing. Honda dismissed this as an " error '', but I know my ssn and know I completed my forms correctly. The error was Honda 's. They directed me to send a copy of my Social Security Card and initiate a correction to my file. I will do that, however, their " error '' affects the accuracy of my credit. Their " error '' may have affected my financing terms, there is no way to tell on my part. I believe this is a material deficiency in their financing systems. Other customers should be warned that this may be a problem for them that is not transparent to the consumer and is not easily detected.

Company response to consumer: Closed with explanation