BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: Resurgent Capital Services L.P.
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:
The following occurred over five years ago and has just shown on my report as well as attempts to collect debt that was not mine and was a result of fraud. There were purchases made and constant use from the card although I had not used it at all myself. During this time I also had other fraudulent charges on other credit cards that were reported and action had been taken as far as I can tell as those had not appeared on any report of mine nor has there been an attempt to collect on them. I also do not have access to the account nor information anymore as this had been so long ago that I thought it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a Sba grant and the branch officer wouldnt let me access my account making me wait at the branch about an hour and a half and my fianc asked her to hurry up because it was hot and my vehicle and the officer said that she would make it that I wont be able to access my account and money so I called her supervisor numerous times and they were telling me that my money is in the account and that its nothing that the bank officer can do about closing the account or even accessing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PayPal locked me out my account saying I can no longer use PayPal but they locked my account XXXX $ usd I cant do any transaction I woke up and XXXX $ missing they dont wan na give me my funds instead take it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. An account was fraudulently opened in my name on XXXX, 2006 by Transunion Credit, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified account must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand this account be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00} 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received the finished dispute from Transunion and they did not remove the items as requested. The accounts still appear as closed, all with negative reporting information. According to the FCRA Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.. As of now they are violating my constitutional rights in many ways and each violation is punishable according to USC law .

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 2022-05-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated from college in 1993. I have consolidated these XXXX student loans beginning with XXXX XXXX. Since that time, there have been over five different companies that have taken over and restarted the principal interest, which made that {$10000.00} loan expand to what is now nearly {$16000.00}. I do not understand why after 25 years, borrowers are still expected to pay for the poor choices of companies passing this predatory activity from one to the next and the government allows this behavior. I am making monthly payments through American Education Services ( AES ) but again, that from was XXXX, and from XXXX, and from others passed through as though I've never paid anything, Can you please help to inquire and to speak for XXXX  loan borrowers who do not get any help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: American Coradius International LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not used XXXX for more than 10 years. Suddenly, I have a debt collector ( i.e., American Coradius International LLC. ) tell me I owned to XXXX  some money. They referenced the account number that Ive never known. This is a scam. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A fraud alert was placed on my credit report in error by XXXX, Transunion, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
Transunion sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, Transunion, and XXXX as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, XXXX, and Transunion. There is no excuse for 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 non-monetary relief
Consumer complaint received 2023-06-05
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, MS XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
A stored account ( account ID XXXX ) was created on XX/XX/2022, at Best Buy by unknown person with a false email address. A Fraudulent electronic purchase was done on above account for 2 items by using my XXXXXXXX XXXX. The purchase was done from XXXX XXXX XXXX XXXX traced to TX, XXXX ) - Order Number : XXXX Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier XXXX XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX, NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location. 
2 items were returned to Best Buy store at XXXX, NY location ( address is on the returning order ) on XXXX XXXX and exchanged on the same date for XXXX XXXX. Returning Order # - XXXX Since the return happened at the store location in XXXX, I require investigation : if all documents, required by the Best Buy for returning process, were required on the moment of return : receipt, the credit card used to make the purchase, and a valid photo ID.The returning receipt provided by the 'Best Buy ' store does not have evidence of the signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account that I was trying to dispute experian is not letting me dispute item item has been there for 7 years there is no info to contact to contact creditor its comenity bank mandee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-10
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: Personal information incorrect

Complaint:
On XX/XX/2023 I went into Experian dispute center to remove 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 are old/outdated personal information relating to credit report # XXXX that I do not want on my personal credit report there are U.S codes in place that allow me to update my consumer report. Experian is not letting me remove old information. I feel as if Experian is profiting off my personal information. I should be able to dispute old addresses that I do not even reside at. It is causing me emotional distress to not be able to remove information that they did not have my permission to make public. They are abandoning their grave responsibilities for greed and profits. They had no permission from me to furnish anything on my credit report but they continue to do it 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 non-monetary relief
Consumer complaint received 2022-10-01
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested for a loan refund on the XXXX of XXXX over the phone with EdFinancial for all of my payments which accumulated to {$12000.00}. The speaker on the phone said it would take XXXX months? I don't quite remember the exact time frame but it was beyond the other timeframes that other loan providers are telling other people. These timeframes being XXXX weeks. To quote another EdFinancial user, " EdFinancial is giving ranges of XXXX business days to a year while other service providers are processing within XXXX weeks and sometimes within XXXX weeks. '' I find this different timeframe to be quite unfortunate as I would be pigeon held by EdFinancial 's time period to refund back my money before I can file the application needed for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
experian had received my letter with giving instructions to delete false information. My privacy as been violated by experian for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so experian had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).

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 2022-07-09
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXX XXXX  original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Capitol One original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXXXXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Kohl 's original charge-off XX/XX/XXXX. They are all more than XXXX months old and must be moved from my credit as they are destroying my credit score.

Company response to consumer: Closed with explanation