BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: Ascendium Education Group
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: Old information reappears or never goes away

Complaint:
Although I am not under contract with, have never provided a wet signature agreeing to owing XXXX XXXX XXXX for any loan, and am not on video or audio confessing student loan debt with XXXX XXXX XXXX ; they continue to report defaulted private student loans to all 3 credit bureaus. Although I graduated from college in XXXX, since XXXX XXXX has been reporting me to all 3 credit bureaus regarding XXXX loans that I never took out with them. I have sent XXXX and all 3 credit bureaus letters disagreeing with their assertion. Nothing has changed. This nuisance has drastically impacted my ability to obtain credit and financial related opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2020-06-12
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These company are hitting my credit for no reason. Im not trying to open accounts. Its been like this for 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: OneMain Finance Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, unfortunately on XXXX of XXXX I was in a real bad financial situation and had to take on a secured loan for the amount of {$4500.00} and had to pay the consequences of being in debt for several years without being able to pay the loan amount in full. Fast-forward to XXXX I was able to negotiate with One Main company to Legally paid in full for less than the full balance with the condition that they would remove they're account from all 3 credit bureaus, needless to say I didn't know they would not or couldn't do that and at the present day I still have my credit score hurting me today ( XXXX ) and all 3 credit bureaus won't remove One Main account from my credit report until XXXX. I think it was a misleading and cheating tactic from One Main to get me to pay the full amount agree when they knew real well that my credit score was going to get impacted well after I pay the agree amount and decided to lie in my face anyways without remorse. Shame on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: ALLY FINANCIAL INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. 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 explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-13
Company: TD BANK US HOLDING COMPANY
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant XXXX and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, EXPERIAN & XXXX DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE-DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX PAYMENT HISTORY-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Will not allow 3rd party app to access account. ( XXXX ). I have used this app for months to help me pay off debt and now all of a sudden PNC is refusing to allow me to utilize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Resurgent Capital Services L.P.
State: TX
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX. ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My wife was defrauded on XX/XX/22 of XXXX {$500.00} through a XXXX scam. She had posted items for sale on XXXX XXXX on XX/XX/22 and was contacted on the morning of XX/XX/22 by a party interested in purchasing the items for {$500.00}. The interested party indicated that her son would be picking up the items and that she would XXXX over the money. Shortly after that conversation, my wife received an email stating that there was " a small problem '' with the transaction and that she would need to refund the {$500.00}. This email appeared to originate from XXXX, so my wife complied and refunded the transaction. Shortly thereafter, she received another email stating that she would need to XXXX transfer additional funds in order for the transaction to complete - and then she realized she had been scammed. 

Today, XX/XX/22, I contacted Chase ( the originating bank of the transfer ) to dispute the transaction. The first representative kept stating that XXXX was 3rd party to Chase and had completed the service, and that they did not offer claims for fraudulent transactions. When I confronted her with the fact that Chase is owner of XXXX XXXX XXXX, which in turns owns XXXX, and that Chase should be offering more recourse for its customers who have been defrauded, she repeated that XXXX is a 3rd party and that there is nothing Chase could do in this situation. I continued to inquire how Chase, as an owner of XXXX and having access to all the transaction details, could be offering fewer protections to ITS customers than XXXX, I was hung up on. 

I called Chase Claims department again and was met with the same boilerplate statement that XXXX is a 3rd party service and the only recourse was to submit a courtesy claim to have the receiving bank withdrawal the funds from the recipient 's account. I elected to have the representative initiate the claim, knowing the improbability of success. While talking, this gentleman did acknowledge that Chase 's backend office can see the account information of both the originator and recipient, so by their own admission, Chase has the information to protect its customers who have been defrauded, but is making a conscience choice to not. I even indicated that we have email proof of the scam, but was told that if i submitted the email as evidence to substantiate my claim, it would stay internal to Chase and would not be passed along to XXXX to help in any claim. 

Chase and the other owners of XXXX XXXX XXXX are enabling scammers by their policies and lack of protections for THEIR customers. Regulation E should apply to XXXX and basic consumer fraud protections should be in place for customers banking at these institutions which have XXXX integrated into their banking platforms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-05-16
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB, We have an ongoing problem with Equifax Commercial that Equifax has done nothing about. Equifax has been notified in writing several times, in the past 18 months regarding an issue with our Equifax Credit Data at XXXX. Attached are some reports, recent in XXXX, XXXX and XX/XX/XXXX from XXXX that show our Credit with XXXX XXXX  XXXX, XXXX, and Equifax. Note that Equifax is showing a " Charge off '' in my Credit History if you can open the Attachment with the XXXX  and a D Risk Rating for my company assigned. 

If Equifax feels that this data is accurate please let me know. If Equifax disagrees with what XXXX is showing in our profile to potential Lenders, then Equifax must finally do something about this and reach out to XXXX to see what is going on in the Contract between Equifax and XXXX. 

As per the attached recent correspondence, attached. Our Lawyer sent a Letter regarding this erroneous Credit Data that is False and Fake from Equifax on the XXXX company profile for us. Equifax has not yet responded. However, XXXX has an Inside Counsel named XXXX XXXX who is " Standing By '' their Assessment, that he says is " According to Equifax '' That XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( my company ) needs to take up this issue with Equifax. 

Every single Letter, Call and Report to Equifax about this Alleged Charge-off that Equifax is reporting on my company that we have sent in the past 2 years ( since XXXX ) has been ignored by Equifax. Equifax sends sometimes a copy of my company 's Credit Report that is clean and does not have any negative information, however the XXXX company when they see that still refuses to make the correction. Equifax is not handling this properly and we are demanding that Equifax will review the Attached information where XXXX is claiming that " Equifax Says that XXXX XXXX has a D /386 company score ''. 

Also they ( Equifax ) refused to send me copy of my recent Business Credit Report the last time I called. I can't understand why they ( Equifax ) would not want to help us to have this mattter corrected and resolved. Further, Please let Equifax know that According to XXXX XXXX, Inside Counsel at XXXX ( Please see all attached ) the ONLY WAY TO GET THIS MATTER RESOLVED IS WITH EQUIFAX. 

I have also attached a copy of our Equifax report first page from 6 months ago for this. Please let me know what you find out! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Sequium Asset Solutions, LLC
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:
Debt collection showed up on my report and is not mine. States that account was opened in XX/XX/22. Charge was for {$1600.00}. Definitely fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MI
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 and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an 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 explanation