BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020 I cancelled service with XXXX! In that process I overpaid them by {$100.00} ( XXXX  Statement included ). When I realized that, I put a stop payment on the check since I had been having billing issues with XXXX, such as ongoing fee increases. ( copy of check and stop payment fee of {$30.00} statement from credit union attached ). 

In the interim, XXXX  sent me a letter acknowledging the overpayment and then sent me a debit card. I did not activate the card since it was not my money to have and shredded it. ( I do not have the letter or card ). 

I started getting contacted by Eastern Account System of Connecticut for the {$100.00} amount, which I assume is the amount that was on the debit card. I contacted their XXXX # and was advised they would put a flag on my account as disputed. I then received a letter from them stating they had put a lien on my accounts with the credit agencies ( copy of my response to Eastern Account attached ) My credit rating has now dropped from XXXX to XXXX, a XXXX point drop in one month due to their action ( copy of credit score trend attached ). Can you assist in helping clear this matter and get my credit rating restored?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent inquiries and inaccurate account 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 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, Today, I received another two emails from your company. This time, my report number is XXXX, which is another number for me with almost same content. Last time, I realized the spouses name was added, which I believe requested to delete because it was co-applicant. My husband never applied with me anything including the bank accounts. I checked XXXX and XXXX, both, do not have the spouses name. I am not sure whether these reports from the different companies need to be same or not. However, I believe it needs to be same because they report the personal and confidential information. Therefore, I want to ask you why your company include the spouses name. 

Second, these todays reports were sent from Experian XXXX ( XXXX ) at XXXX and Experian ( XXXX ) at XXXX. I realized the former one, Experian Alert, asked me to the different mailing address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Since I have many correspondences and filings, I prefer to have only one mailing address with one company, especially, in the case of dispute, which relates the important personal information for confidentiality. 

Third, I received another email from your company, Experian ( XXXX ), while I am writing this letter, at XXXX XXXX. It told me the opportunity of right loan. I believe I registered for opt-up to receive any mails like this. 

Sincerely,

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 2020-12-14
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I am having on going issues with my mortgage company NewRez. The issue is them not paying my Wisconsin Property Taxes on time or dispersing funds to me when requested to pay my property taxes. This happened last year as well, when the Mortgage exchanged hands from XXXX  to NewRez. Please help, I am a XXXX XXXX XXXX Veteran XXXX. 

Thank you and have a safe day. 

Mr. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see my response to Huntington via the CFPB site : Complaint # XXXX Huntington continues to : - Charge me for interest incorrectly due to their negligence - Misapply funds that should be applied per my direction that they hold illegally in Escrow - Communicate that a scheduled subsequent refund XXXX XXXX will be received by Huntington, not my wife and I, and they will immediately hold that money in Escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX, XXXX Account # XXXX have 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 an account without my written instructions. XXXX has a totally different credit profile on XXXX. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX  and my next actions will be to have an intent to file a lawsuit.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2020-03-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was notified of a fraud alert on my account. I did not contact Experian or any other agency that I needed a fraud alert. When I called XXXX XXXX and XXXX  to remove the fraud alert they both said, the fraud alert came from Experian. I called Experian to find out why there was a fraud alert put on my account and who authorized it. They would not give me an answer. They just said, there was a voice mail. But they refuse to tell me who the voice mail came in from. They refuse to tell me what was said. They refuse to tell me why they didn't confirm who it was that called them ... it could have been anyone. This makes no sense b/c when anyone calls Experian for any reason, you must answer a bunch of questions before they will give you any information ... yet, they just took some stranger 's voice mail to put a fraud alert on my account. This is fraud on their practices and procedure. They refuse to look into this situation. I have called multiple times. They will not return phone calls with any information. This is unacceptable to me. They refuse to check themselves and their policy, practice, and procedure ... or acknowledge any wrongdoing on their part. I want answers or an apology and a promise that my account will not be compromised again.

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 2023-02-07
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 7th 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 an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2021-10-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recently received an e-mail notice informing me that my PayPal account was permanently limited and that I could no longer do business with their service. As per the e-mail, It informed me that I violated something outlined in their Terms of Service ( doesn't mention specifically what it was ) though at no point did I do anything to violate these terms. 

While reviewing my most recent activity on the account, the latest transaction on the account was payment I sent for an item ( shoes ) from an online seller ( $ XXXXUSD on XX/XX/XXXX ) and a payment I received from XXXX  ( a cashback browser extension ) for $ XXXXUSD on XX/XX/XXXX. Besides these two transactions, my account hasn't been used in over a full year. 

The reference ID for this e-mail was : Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}

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 2021-10-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied for a loan with Navy Federal in XXXX of 2020 I was first denied because of DTI. When I called they re-considered and approved the loan. My credit score was over XXXX. When they approved me it was at 18 %. I really feel like this was excessive based on my credit score. Since then I have paid over {$1500.00} in interest. I think this rate was very high based on my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
EXPERIAN IS REPORTING DEBT THAT DOES NOT BELONG TO ME. I've contacted Experian numberous of times and was told they debt was verified. I requested in writing and over the to please send me a contract and other documents bearing my signature. Experian has failed to send me method of verification. Please to me who verified that STATE OF MI XXXX XXXX belonged to me? What date was this verified? Who opened up this account in my name? Was a drivers license and social security card used to open this debt? Did you contact State of Mi XXXX XXXX XXXXo verify this debt? Did you call over the phone to verify this debt? What number did you call to verify this debt? Do you have documents on file showing this debt belongs to me? Please send me contracts bearing my signature and a contact person so I can follow up. If you fail to verify this debt i'm asking you kindly to remove this inaccurate, untrue, incorrect information off my credit report. This reporting does not fcra requirements. This account was not properly verified. I do not consent to third party verification. 

in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them immediately : 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 2021-10-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a longtime customer of BBVA in XXXX, TX. When I began receiving communications from PNC Bank, I was assured that the transition from BBVA to PNC would be easy for me, and that, after having no access to my online account for 3 days, I would be able to sign on, on XX/XX/XXXX, and continue banking as usual. When I signed on, all that was visible to me was an account, not mine, that had XXXX balance. 
After hours and hours of holding on the customer support line, I was told, rather blithely, that, too bad, my account didn't transfer over. No matter how hard anyone tried ( and there were many ) no one could instruct me on a successful login. I am out of town now and 60 miles from the nearest branch. I very often rely totally on online banking. 

I think I am not alone, as I have been told by friends that the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on credit file. 
Incorrect personal information associated with debt belonging to XXXX XXXX XXXX, XXXX. 

I have contacted XXXX from XXXX XXXX XXXX to advise that the personal information such as the social security numbers listed on my credit file do not match, do not belong to me, are incorrect and belong to my minor children. Also, the social security numbers on file are linked to debtor accounts that do not belong to me and should be therefore deleted. 

Below are the social security numbers : SOCIAL SECURITY NUMBER XXXX Incorrect Personal Information XXXX Incorrect Personal Information I have provided the correct social security number in the form of proof of identity via a social security card. 

In XXXX of XXXX, I contacted XXXX XXXX XXXX requesting validation of the debt via the social security number on file. However, they have refused to provide the information related to validation and verification of the debt.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

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 2019-05-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX  credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. 


I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. 

I will also be filing a report with my California State Attorney General to let them what this company is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Credit Karma, LLC
State: NY
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:
CreditKrama, Please vefied proof of application of 101 unknown hand inquires reported and 6 unknown addition pull of the township of these unknown inquires reported by credit karma, I gave no written consent and this is invasion of pricvy. This is Fraud use of my credit card which I do not benefit adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX. I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over 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