BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name XXXX Account numberXXXX Account type XXXX XXXX In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681

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 2023-01-26
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried for almost 2 years to get PSLF from my federal student loan provider and have been unsuccessful. This all occurred after my student loan provider switched to MOHELA.

I have submitted forms multiple times throughout the 2 years without any approval, or communication about why it has not been approved. I qualify for forgiveness and they will not give it to me for some reason.

I can not stand dealing with MOHELA anymore. I am a resident physician who works at a nonprofit. I have worked at a nonprofit hospital for 3 years now. There is no reason I should not be approved right away for PSLF.

Every time I try to communicate with the company I never get through or hear back. They never give me explanations on why I am not approved for PSLF. 
I attached my most recent PSLF form below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: ALLY FINANCIAL INC.
State: NC
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 canceling credit monitoring or identify theft protection service

Complaint:
Reporting - XXXX XXXX Ally  XXXX application reference XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, 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 2023-09-29
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX W. XXXX XXXX XXXX XXXX XXXX ID 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXXXXXX XXXX XXXX and/or TransUnion ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

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 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 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 2022-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Collection Bureau of Kansas, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, TRANS UNION, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet XXXX continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA XXXX XXXX COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2019-04-19
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I attempted to call again to make the payment by phone and your representative was rude once again. I am including this {$4000.00} payment to you and demand the lien to be released on my vehicle and the credit reporting agencies to be updated immediately. You fraudulently mislead me into the transaction of the vehicle to begin with, then after numerous attempts to notify you of issues with the CFPB that have went unanswered you offer a settlement agreement which after making payments you state is going toward the balance of the account instead of to pay it in full. Under Missouri Law that has been a breach of agreement on your companies behalf, I have suffered losses due to the fact I have had to keep the vehicle longer and now the car is not even worth {$7500.00} with the condition it is in. I am making this payment to get this off my credit report because your actions are inflicting financial harm against me and trying to talk to Chrysler about it is not resolving all issues. Mail me my lien release and notify the credit bureaus immediately. Also you should be aware I plan to file a civil lawsuit in the western federal district court against your company under the Missouri Breach of Contract. This is not what we agreed to and this payment is being made under duress, because unless I comply and do what you say which is unfavorable to me my credit will be further harmed. So here is your payment, just please note is will be followed by a {$75000.00} lawsuit request. ( Cashiers Check is only attached to receive lien release and clear credit report so my score is not continually brung down while we go through the upcoming lawsuit I will be filing that will take additional time. I have complied, but you have not. Your phone rep was also attempting to charge me more then the {$7500.00} in extra fees which is another breach of the agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Prizm Financial Company, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prizm Financial was closed XX/XX/XXXX with the balance paid in full. Case # XXXX XXXX XXXX, Ohio. Prizm continues to report monthly to XXXX  that a balance is still due. I've disputed this several times through XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX all of which corrected the information before Prizm reported falsely again. I spoke to Prizm Financial XX/XX/XXXX who confirmed the account is closed and paid in full. They assured me that the false monthly reporting has been corrected and to contact XXXX  but it isn't corrected. I keep going in circles with them and it's going no where. So please assist with this matter.

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 2023-08-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Primary Financial Services L.L.C.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I deposited {$3500.00} on XXXX XXXX In XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX. 
Wire # XXXX Account # XXXX The person name is : XXXX XXXX XXXX and phone number XXXX Since then I tried to call him many times he doesn't answer.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-07
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 a customer of XXXX XXXX  " XXXX '' and had a store credit card. 
XXXX XXXX of 2017 I had made a purchase in store of Christmas gifts to give. 3 days later I returned to the store to return the items because they were not something that could be worn by the person I was gifting them to. The employee in XXXX returned my items and failed to credit my account, therefore increasing my debt substantially. I had noticed on my statement that it was not credited and I was paying interest on a dollar amount that was not correct, after sending letters of dispute to the proper parties many failed tries to correct the problem the balance kept growing in fees penalties and interest. My last check into the balance was XXXX dollars, but after the return of items It should have been lower. I had made purchases totaling XXXX and happily was making payments before this problem. I was penalized with fees and interest on a dollar amount nearly double what was actually spent, XXXX failed to help fix this, I had disputed it many times to no success only being told I owed the amount and nothing could be done to help me. Now the account is closed and was sold to a collection agency named Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
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 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 These accounts and inquiries was not approved. I have complained several times for several years and nothing hasnt changed yet. Can these be removed off my credit. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!

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 2023-08-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but Experian has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX experian and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN

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