BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed Transunion, XXXX And XXXX as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. XXXX Has complied and processed some of my Disputes However, XXXX, Transunion and XXXX hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with XXXX and Transunion regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX  In XXXX of 2021. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. Transunion has denied all of my dispute claims against the numerous Inquiries that has been made to my Transunion Report : XXXX Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( Transunion, XXXX, and XXXX ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.SXXXX Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2023-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing this letter to appeal the permanent limitation of my PayPal account with the email address XXXX. I strongly believe that the limitation placed on my account was a mistake, and I have not violated any PayPal policies or terms of service. 

I was shocked to receive an email from PayPal stating that my account had been permanently limited due to violations of PayPal policies. However, I have always complied with PayPal 's terms and have not engaged in any activities that could violate PayPal policies. 

I respectfully request that PayPal re-investigate my account to rectify this mistake and restore my account to full functionality. I am confident that upon further review, PayPal will find that there has been no violation of any policies by me. 

As a regular PayPal user, I have always trusted and appreciated the convenience of the platform, and I hope that this issue can be resolved quickly and amicably. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer, Select Portfolio Servicing Inc ( " SPS '' ), failed to disclose material facts to Buyer ( s ).

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), intentionally failed to disclose written copy of tenant requested repairs for missing heater that created substandard dwelling to Buyer ( s ) and resulted in eviction of tenants after sale of property.

SPS failed to disclose known material facts to Buyer ( s ) that in turn resulted in financial harm to tenant ( s ). 
SPS knowingly failed to properly dislose material facts even after SPS received CFPB complaint on XX/XX/ ( XXXX ) requesting proper disclosure of necessary repairs and lease prior to the sale of property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit Systems refuses to provide information regarding the debt they claim I owe. Beyond that the debt they are attempting to collect is beyond the statues of limitation and is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: AES/PHEAA
State: NJ
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:
Dear CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan on XX/XX/XXXX and disputed contradictory letters I have received ; FedLoan Servicing never responded. 

I contacted FedLoan via chat XX/XX/XXXX to understand how my payments were calculated towards the PSLF/TEPSLF programs. I requested a review of a number of payments that were incorrectly marked as ineligible for the TEPSLF. It would appear I should be eligible to apply XX/XX/XXXX. 

I contacted them again on XX/XX/XXXX as no updates had been made to my account. They informed me it could take up to 90 days for the review to be completed. On this date of contact, 105 days had passed. 

I submitted an application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, I receive a letter stating I had only made XXXX payments towards the TEPSLF program. However, all of the payments since my previous employer certification from XX/XX/XXXX to the current date were not included, adding an additional 9 payments, bringing my total to 119 payments. 

On XX/XX/XXXX, FedLoan contacted me via phone and informed me that if I resubmitted my application on XX/XX/XXXX or later, I would meet the 120 qualifying payments. 

My application was resubmitted and received on XX/XX/XXXX. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter confirming I had made 120 qualifying payments for the TEPSLF program. My account was also updated to reflect I met the 120 qualifying payments. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter stating I was ineligible for forgiveness under the TEPSLF program as I only had 110 payments. It is impossible for my payment count to still be 110 6 months later when I meet the criteria. 

I have not changed my qualifying employer in over 9 years and previously worked at a qualifying employer ( all of which has been verified by FedLoan ). 

I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix this and forgive my loan as I have submitted my application, meet the criteria, and have surpassed the number of qualifying payments. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Uplift, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Uplift Inc has reported an account on my XXXX credit report that has already been satisfied and paid in full months ago. It is severly impacting my credit score in a negative way. Please help. The debt was satisfied in XXXX. Please see attached! The negative tradeline on XXXX needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: RMS-Recovery Management Services, Inc.
State: GA
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:
Pls see attachments! Evidence! More evidence! Plsagainst XXXX XXXX XXXX XXXX Discriminating college!

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 2023-03-08
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Provided only one way to payoff loan ( mail certified check to a po box ). Once I submitted payment, lending organization states they have not received. Not being able to confirm payoff has allowed the lender to continue to receive monthly payments and hold on to Certified Check issued from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion ran a background check using only my name and birthdate and pulled a lengthy criminal background on another person with the same name and birthdate but lives in a completely different state. TransUnion did not use any other identifiers to confirm they had the right person. I live and have always lived in Michigan, the other person with the record lives in Kansas.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have mailed, faxed, emailed, and called each bureau TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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. 

No XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/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.

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 2021-10-06
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Customer Service XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : https : XXXX I would like to file a complaint on XXXX, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted XXXX  and XXXX multiple times regarding forbearance, I lost my employment due to XXXX on XXXX of XXXX  and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

XXXX has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and XXXX is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting 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 2019-06-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from XXXX XXXX XXXX attempting to collect a debt on a XXXX XXXX bank account that is over 12 years old. This is a fraudulent attempt to collect money for a debt that is no longer valid. 
XXXX XXXX doesn't care about this debt anymore and yet all this collection groups attempt to make some money off these invalid debts. 

Resurgent Capital Services is a collections agency which attempts to collect fake /old debt under many identities. Some of these identities are : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX   XXXX 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 2023-04-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect name is XXXX XXXX XXXX that needs to be deleted. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address needs to be deleted as well XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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