BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I responded to the company disputing the information regarding the collection account, and they did not reply. Rather, they sent a letter suggesting they could sue me if the debt was not settled. I have read many articles and statements about this company, and am aware that they use both illegal tactics and often avoid responding to letters that challenge the validity of its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I financed a used car with Capital One Auto Finance. I recently paid the vehicle off. After receiving a 10 day payoff amount I submitted a checked dated on XX/XX/2021. I over night the check with Capital One receiving the check on XX/XX/2021. Capital did not process the check until XX/XX/2021 and using the XX/XX/2021 as the pay off date after acknowledging having received the check on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Social Finance, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to refinance my XXXX  federal loans with Sofi in the second week of XXXX in order to consolidate and get a better interest rate. I am not 100 % sure on which date but it would have been around XX/XX/XXXX. I was approved and they sent me paperwork to electronically sign on my new loan. I noticed that the amount was wrong so I contacted them to fix the problem. First I called them to clarify. I got sent the paperwork and it was still wrong. Then I contacted them via their online chat service. They asked me to provide them with my most recent student loan statements from XXXX. I did. They said they would fix it. I was very explicit that I was refinancing all XXXX  loans except for loan number XXXX. All other loans were to be refinanced including loans XXXX and XXXX. They sent me the paperwork to sign and it was wrong a third time. I then called them via telephone again and was asked to again submit my most recent XXXX statements. I sent them a second time. They sent me the paperwork again and the amount was correct so I signed it. 

On XX/XX/XXXX they sent the funds to XXXX to refinance my student loans. However they made a huge mistake and sent all of the money to one of XXXXXXXX XXXX  departments and no money to the other department that contains loans XXXX and XXXX. Apparently XXXX has two separate departments. I contacted Sofi about the mistake on XX/XX/XXXX and was told to call XXXX and have them move the funds over to the two loans in the other department ( XXXX and XXXX ). When I called XXXX I was told that they could not move funds over to the other two loans because that is a separate department and they are unable to do that on their end. They told me that the money would have to be refunded then sent to the other department by myself or Sofi. I contacted Sofi and was told to have them refund the money to me so that I can pay the other two loans off. After A LOT of back and forth with XXXX  I have only been able to get about {$1800.00} refunded back to me, which I have already used to pay down one of the loans that was supposed to be refinanced. There is another {$4300.00} that XXXX has not refunded to me or Sofi that is supposed to go to payoff the rest of the balances on loans XXXX and XXXX. 

During this time I am being charged interest on these loans by both companies. Sofi issued my monthly payment for me last month and say that they can do this month as well but that is it. I expect them to refund the interest I am being charged on money that I didn't receive, especially after making the huge mistake they made. I have been in contact with one of Sofi 's representatives via email that is supposed to help solve this issue, yet she keeps asking me to make all the calls to XXXX and do all of the work to fix Sofi 's mistake. I have and can provide all of those emails if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-12-29
Company: EQUIFAX, 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. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

CLOSED ACCOUNTS NOT MINE ASK FOR MY SSN... XXXX XXXX XXXX XXXX XXXX account # ... XXXX XXXX XXXX XXXX account # ... XXXX XXXX. XXXX, XXXX XXXX account # ... XXXX XX/XX/2016 XXXX XXXX .... XXXX XXXX, 2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX.. XXXX XX/XX/2016 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 2023-02-02
Company: EQUIFAX, 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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX days past due date. However, the bank is saying it was XXXX days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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: Billing dispute for services

Complaint:
On XX/XX/2022 I went to the Experian XXXX Website to enroll in their service because of the XXXX XXXX XXXX Settlement That is suppose to be complimentary. 

After enrolling I was directed to a web page to select a plan and payment method. I refused to pay so my subscription was cancelled. When I tried to enroll later the web sight refused to let me enroll. 

Several years ago I enrolled in Experian for ID protection because of a data breech and the service was suppose to be free. But I was charged on my credit card for the service and I had to do a chargeback with my bank.

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I created my Paypal Id in 2016 when I was XXXX years old ; now, when I open my Paypal account to use it, then I need to change my name, so I have uploaded my id proof for that, but then they're an email was sent that I can't any longer use my Paypal id nor I can delete it. But I have already given the PayPal id for transaction purposes, and it can't be undone, so I need to recover my Paypal id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX  days past due date. However, the bank is saying it was XXXX  days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.

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 2023-05-04
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date : XX/XX/203 Company Involved : Paypal , Inc . 
Paypal Account : XXXX Issue/Concern : I can no longer use my paypal account because of permanent limit. I can no longer send and receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They put on my credit that belong to my dad, but the thing is that they use my social and information like if i signed a contract on XXXX and i get my social on XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: LA
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2023-01-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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 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 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: Colony Brands, 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:
Acct # Colony through door open XX/XX/2018 balance {$1500.00} Address XXXX XXXX XXXX XXXX WI XXXX XXXX Tel # XXXX XXXX XXXX. I have talk and wrote letters to all parties involved including the other XXXX XXXX in XXXX Georgia but to no avail i have been help. This has created great harm to my Credit and health and Marriage. I am asking for this account to please be review carefully and look at the facts, This account belongs to Ms XXXX XXXX in XXXX Georgia there is a mix up believe to be only because only our matching names This XXXX XXXX lives in an entire different area in Georgia and has a different social security number and her date of birth is different and we are to different race i am XXXX XXXX born in XXXX XXXX and she is XXXX XXXX born in XXXX I am asking to please investigate this account and reach out to the other XXXX XXXX in XXXX GA and get her information and see the difference in everything but our names 4 years and this has been a night mare no one has helped me. I am begging to please make my case a top priority and review my case i am trying to by my house with my husband and can not because of this. my cell XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX Ga XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation