BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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 have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-22
Company: Grow Credit Inc
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with grow credit. 

make a monthly payment to them plus a small processing fee, then I can use their virtual visa to pay for certain services.

I linked my bank account and paid from said bank account without fail for close to a year or more.

Every so often they would report to me that my bank account didn't have enough funds to cover the charges ; this was never the case.

Even when I manually tried to initiate the payment their systems would refuse to accept the payment.

I reached out to them numerous times, they're telling me that their system reports I have insufficient funds in my bank account. None of this is true, they refuse to process the payment and now they reported a XXXX days late charge on my credit report. 

This is for XXXX dollars! 

Not only that, I had to migrate my XXXX payment the the same bank account Grow Credit tries to tell me doesn't have XXXX dollars. 

I've also attached a screenshot from Credit strong where I make 10x the payment to them each month that grow credit says I don't have in my bank account. 

I clearly have the funds in my account and was successful making payments for many months without issue and I still continue to make payments to others from the same bank account.

I am not sure what grow credit is trying to accomplish by lying about my bank account when I can also provide bank statements as well showing payments successfully being withdrawn every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: RI
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:
Tried every phone number listed for Experian customer support and all bring you to automated system with no selection for speaking with a live person or choice for dispute. Also tried numbers provided by CFPB and all bring you back to same automated menu. 

Disputed the two active accounts with incorrect credit limits and incorrect remaining balances through website dispute portal over a week ago but still no changes. It appears no data has been updated in over two months although my credit providers report all information promptly. Experian shows report updated on XX/XX/XXXX but no changes and balance/credit has not been accurate for months.This is affecting my ability to get better terms on credit as accurate reporting data would bring my debt ratio down from 35 % shown to under 20 % putting me in a good credit range. 

Available credit is XXXX currently and reported as XXXX. 
Total debt is XXXX currently and reported as 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 2020-12-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against National Credit Adjusters. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP

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 2023-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this loan was opened by this company who had access to my credit report. All transcations on the account was not made by them, this case has been picked up by the FBI and they have provided a letter to give to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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 have reached out to the credit bureaus XXXX, equifax and XXXX  regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Equifax. Mortgage was showing the last four years all payments were 120+ days late which dropped my score over 50 points. The error was corrected in the fact that the payment history was changed back to what it should be. Equifax refuses to give me the points back on me credit score. I have spoken to an agent and they told me basically it's not their problem and they won't give me the points back on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

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 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 third party company that buys debt " profile recovery associates '' puts the wrong date on credit reports. After they buy a debt they bring a new claim to the credit bureaus which appears on your credit report twice. Once under the orginal debt and then again with a new date with their company name " profile recovery associates ''. Their tactic extends the time the debt remains on credit reports. I had the delicates removed but now two bureaus XX/XX/XXXX and XX/XX/XXXX have failed to remove it after an investigation. Only XX/XX/XXXX removed it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXX XXXX XXXX transferred {$1200.00} from my Chase bank account for purchase of a XXXX XXXX XXXX. I immediately contacted chase bank. They informed me nothing could be done as monies were already transferred. Also she rcvd 3 gift cards for delivery totalling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have both an original & second mortgage with XXXX XXXX. Originally started XX/XX/XXXX for $ XXXX. The 2nd mortgage was placed XX/XX/XXXX bringing total to $ XXXX. It appears that the 2nd was sold several times by XXXX although we see no documents supporting this, and they may indeed still own the mortgage. We see up to 4 different collecting agencies throughout, the most recent of which appears to be BSI Financial Services. We were on a payment plan with principal only starting about XX/XX/XXXX ; the 2nd mortgage balance was {$42000.00}. The payments made has reduced the principal to {$41000.00}. On or about 8-10 months ago they demanded payment in full, which I told them I couldn't pay. They then added unknown charges, some of which we think is unpaid interest, My current balance is {$41000.00} for the principal, plus interest and " Total Fees and Other Charges '' of {$32000.00} but they are saying I owe a total of {$73000.00}. We have asked for disclosure of these {$32000.00} charges but have not received any information. Additionally, we think the 2nd mortgage may have been included in a payoff under the bank bailout programs XX/XX/XXXX-XX/XX/XXXX. We believe these new collecting agencies are double dipping on the 2nd mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: MOHELA
State: AL
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 see that I am now in administrative forbearance through the end of the year and the interest rate is now XXXX. Previously, MOHELA placed me in administrative forbearance through the end of XXXX after I called stating my SAVE IDR application had not been processed and I had to pay the full standard payment for XXXX. However, that forbearance period still had interest accruing, unlike this new forbearance period through the end of the year.

Company response to consumer: In progress
Consumer complaint received 2021-03-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. 

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I'm also a victim of the XXXX Data Breach, you all are violating my rights as a consumer!

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 2023-09-17
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX  is a company that is steady harassing me and negatively impacting my credit with a fraudulent account opened in my name due to identity theft

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: Experian Information Solutions Inc.
State: DE
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 ONE main letter disputing any inaccuracy on my credit report to please be removed. Thank 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
Consumer complaint received 2021-03-14
Company: Seattle Service Bureau, Inc
State: AZ
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Affirm Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of 2022, I deposited XXXX to affirms savings account. Since the first of XXXX, they have frozen my account. It has been half a month, after multiple calls ( around 5-10 ) i keep getting told to wait " 3-5 business days '' I never got a response. I verified my identity and complied with ALL their requests prior to the deposit. The representative I had spoken go on XX/XX/XXXX of 2022 stated that no one from the escalation department has looked into my issue. They are holding my money hostage and I can't do anything about it. I need help as a graduate nurse who has bills to pay I am now in a position that I can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Lending Club Corp
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:
I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion. They have multiple inquiries listed for the same financial transactions. They refuse to identify those multiple requests as one inquiry as required by law. 
One was for automobile financing on XX/XX/2022 and most recently for inquiries made by mortgage lenders. There are at least 4 inquiries in each instance and they refuse to correctly report them.

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