BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : XXXX 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 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 2022-03-24
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both my stident loans were always on forbancr..i was not supposed make any payments for i had no incone XXXX. 

In XXXX and XXXX additionally puerto rico wa hit by 4 hurrixanes. XXXX. We were declared disaster zone by the US president. 

The late payments they repirted on my account are wrong. I want them erased. They are harming my crexit score. 

There was no liability to pay at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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: Old information reappears or never goes away

Complaint:
( XXXX XXXX XXXX  XXXX XXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX  XXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( XXXX ) XXXX did not remove the unauthorized inquiry from in spite of many warnings

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 2022-03-24
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 was using PayPal and Venmo until PayPal permanently closed my account without any explanation and is keeping my money hostage. Then, Venmo closed my account without any explanation. Both companies are saying they can't tell me the reason but I m supposed to just accept it. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect information on 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 2021-07-01
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I sent XXXX and Equifax a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( Equifax, XXXX ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX Account Number :XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX  Account Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
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 2023-07-20
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have been sending TransUnion letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by TransUnion credit Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Early Warning Services, LLC
State: MA
Product: Credit reporting 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 applied for a checking account recently My application was denied based on information provided by consumer reporting agency, Early Warning I contacted the agency, disputed the account in question I received an email from early Warning indicating the refusal to accept that its no my account i am not the owner of this account, i am only aware of its existence as a result of the reporting. 

I have been the victim of recent identity theft, in states of XXXX XXXX, XXXX  and XXXX. I have evidence of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Ditech Financial LLC
State: LA
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:
Original complaint yielded unsatisfactory results. While I appreciate the prompt response from the company, there are discrepancies in their information. Ditech states that the debt should remain on my credit report until XX/XX/XXXX ; however, when disputed through XXXX  the company updated the date to XX/XX/XXXX, and now it is XX/XX/XXXX again. Also, in correspondence dated XX/XX/XXXX from Ditech, it states that they can not legally pursue the debt because it is past the statue of limitations, which is correct and therefore it should be removed from the credit report. Also, I have not made any payments in cash or to Ditech and would like an original ledger from XXXX with deposits or copies of checks for payments that they are stating have been made from XX/XX/XXXX-XX/XX/XXXX( I will contact my financial institution as well ). Lastly, the transaction record provided doesnt match the credit report ( it was uploaded with the original complaint ) and the delinquency record provided on the credit report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020, I was involved in a auto accident that totaled my car. My auto insurance company paid Allyauto {$12000.00} and a balance was due of {$1500.00}. I have a GAP insurance policy that pays the remaining balance. XXXX XXXX my GAP insurance company paid {$640.00} on XX/XX/2020. When I spoke with XXXX XXXX they said they will be making another payment and the car dealership will be making a payment to pay the total due to Allyauto. Allyauto continues to report to the Credit Bureau that I have not made payment for this car, when they know that this is a insurance claim and I am not responsible for making payments.

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 2023-03-29
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-05-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My bank had a payment that cleared my account XX/XX/2020 in the amount of {$18000.00}. However, my discover credit card do not have any payment posted to my account. I called Discover Credit Card to notify that the payment has not posted to my account, and they have told me that they can't do any type of investigation until after 10 business days. I explained to them that is creating a financial strain giving the amount of money that I paid, but they refuse to help or investigate. They also instructed me that after 10 days it can take 10 -14 days for them to investigate further. My concern is this puts me in a financially uncomfortable position where there is {$18000.00} not accounted. I told discover that I have the trace number that the bank have given me, but they refuse to take any action until 10 days after the date the funds cleared my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I paid off my credit card bill with Bank of America with the paid in full option on XXXX of 2022. I got a letter a few months later saying I needed to make a payment, they had added some charges on to the bill and said they would collect a late fee. I called and spoke to a representative and then they said they would waive fees. I got an email notice this month in XXXX that I still had a balance due and tried to log on. Somehow I had an over XXXX balance. I am not able to log into the account even having the proper credentials. I changed the password and then I will still am unable to log into the account. I am not sent statements and I am not able to log on to see the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: GREAT LAKES
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Student loans that have the wrong address and spelling on the account. The accounts owed are not mine. I have disputed these actions. They have taken the accounts off and then put them right back on. The accounts are ruining my credit. I have sent Dispute letters into the three credit breaus on XXXX, XXXX and XX/XX/2019 about this matter. On my Credit it states that I owe nothing in student loans but they are still saying I owe 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 2022-03-24
Company: EQUIFAX, INC.
State: KS
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 have been sending Equifax letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by Equifax credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, Equifax, and XXXX  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Collection account for {$2200.00}

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 explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
My daughter, XXXX XXXX and I, XXXX XXXX, were cosigners on an apartment lease with XXXX XXXX in XXXX Oklahoma owned by XXXX XXXX in Kansas. We sent notification per our lease to cancel the lease early via email XX/XX/2021 and were responded to on XX/XX/2021. In that email I asked them to send me a final bill with all penalties listed for cancellation and I would pay the bill. I heard nothing from them thereafter. The next month I attempted to log on to the website to see the final bill and pay it. The XXXX XXXX had deleted my log in and I could not pay the bill online, nor even see what we owed. I attempted to call the office several times, where I reached a message that the office was closed indefinitely- all of the staff had either quit or were fired. I then researched the property group and found XXXX. I attempted to call that office to resolve the issue, to only sent through a maze of voice mail prompts with indication who I can speak to. I was hoping they would eventually send a bill. However I was wrong. In XXXX of XXXX, my daughter and I both received calls from collections regarding the {$300.00} we owed. At this time I called XXXX again and actually got a staff person on the phone. I enumerated my issues to her and she said she could not do anything to help me. She referred me to the region group manager at XXXX. I called that number, which was accounting, not the manager, and got the name and email of XXXX XXXX at XXXX. I sent her an email detailing the issue on XX/XX/XXXX and received absolutely no response whatsoever. When the collection agency called back again, I asked them to forward the final bill so I could pay it which I did the same day I received the bill. I believe my daughter and I were in accurately reported to the collection agency due to staffing issues at XXXX XXXX. Despites all of our efforts to reconcile this bill prior to collections, we were ignored. I would like this blemish on both my and my daughter 's credit reports removed due to negligence on the part of XXXX and XXXX to provide and timely and accurate final bill to me, for deleting my profile from the system that allowed me to pay through the client portal, and for turning us over to collection without any effort to collect the bill from us in anyway.

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 2023-11-07
Company: SYNCHRONY FINANCIAL
State: OH
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:
am seeing unauthorized inquiries on 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 non-monetary relief