BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my Federal student loan, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX , PA, XXXX phone number : XXXX organization : they have two step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX stated that I need to contact the credit bureau TRANSUNION regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.

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 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my several 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 alleged fraud or extortion. 
XXXX XXXX XXXX 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 2023-08-09
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-08-09
Company: Exeter Finance Corp.
State: IL
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:
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXBANK Account Number XXXX XXXX XXXX BANK Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX collection. add a derogatory mark on my credit report per credit XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX collection.

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX collection did not verify my debt validation, and which shows XXXX XXXX  collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, ( XXXX 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.

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 record of conviction 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 2023-08-09
Company: Resurgent Capital Services L.P.
State: PA
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:
LVNV FUNDING- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES LVNV FUNDING-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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

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: 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Company: Experian Information Solutions Inc.
State: AE
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 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 2023-08-09
Company: Exeter Finance Corp.
State: MI
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:
You are in Direct Violation of The Fair Credit Reporting Act ( Exeter Finance # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1666 B ; A creditor may not treat a payment on a credit card account under an o open -end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fedloan has added new misleading information about the CARES act regarding student loan forgiveness programs. After responding to my last complaint about being encouraged keep making payments to stay on track with my loan forgiveness program, admitting that I was given wrong information, and promising that suspended payments made during this forbearance period WOULD be included in my qualifying payment total, they have now updated their website with more evasive messaging : " Borrowers with a Direct Loan, whom are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, will receive credit toward PSLF for the period of suspension as though on-time monthly payments were made.

Borrowers currently on an IDR plan will have suspended payments count toward IDR forgiveness. '' Of course borrowers will not qualify under this stipulation. A frightening amount of people have been laid off from their jobs and are collecting unemployment. Therefore we are NOT working " full-time for a qualifying employer during the suspension ''. There is no requirement in the CARES act that states that a borrower must remain employed in order to qualify for this : " ( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. '' If we weren't all losing our jobs, we wouldn't need the forbearance, and we would have otherwise qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had multiple issues where chase has delayed my XXXX transfers from my XXXX XXXX XXXXXXXX account to the account I have with them ( chase ). Each time Ive called them in always told its a technical issue going on with XXXX and Chase that they have been trying to resolve, yet they never send out any alerts via email or text to notify clients so we are aware and can manage our finances during that moment. Ive had multiple times where I only had my chase card on me and needed to make a purchase, I Zelled money from XXXX XXXX XXXXXXXX to Chase & chase will delay the XXXX from 24 to 48 hours, which is really inconvenient! XXXX XXXX XXXXXXXX will confirm the money has been deducted from that account and sent to chase, but XXXX will claim tech issues. A XXXX transfer usually doesnt take more than 5 minutes. Its frustrating during moments when I have no cash or any other funds on me. This is very frustrating for a XXXX mom of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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:
These complaint os for XXXX and Experian who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have ZERO to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. XXXX AND EXPERIAN ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS XXXX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH EXPERIAN, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST 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