BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I ordered my credit report from XXXX, I was able to obtain reports from two out of three companies. XXXX and XXXX  delivered my report promptly. Equifax sent me a letter, denying my report and asked me to send in copies of my documents ( social security, photo ID, proof of address. I have called the company and was asked twice for my personal information, and again was denied my report and asked to send in the copies of my personal information. It is all because of verification and information protection act, as I was told. When I ask for the reason, I was simply told to send my information. Unresolved, still no free annual report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital one is falsely showing I was late for 3 months in a row and they refuse to get correct the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
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. Account name : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive tried to get Transunion to send me my credit report for over 4 weeks. Im unable to access my reports ( s ) online (? ). Transunion agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on XXXX and XXXX My name is XXXX XXXX XXXX NOT 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 2023-08-02
Company: EdFinancial Services
State: FL
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:
Since late XXXX I have been unable to view any information about my outstanding loans on my servicer 's ( Edfinancial ) online portal. The only loan that shows is a XXXX XXXX  that I paid off completely years ago which now has a XXXX balance. However, I have several other XXXX  student loans that total approximately {$48000.00} and none of them are visible on the portal. On XX/XX/XXXX, I received an email form Edfinancial stating " Effective XX/XX/2023, Edfinancial Services will begin moving your loan ( s ) to a new student loan servicing system to better serve you! ... Two weeks after the transfer begins, you will need to register for a new online account at Edfinancial.com/XXXX Once you log in you can view your new account number in your 'Profile '. If you previously signed up to receive electronic correspondence, we will continue to send correspondence electronically to you after your loan transfers to our new system. '' On XX/XX/XXXX, over two weeks after the start of the transfer, I logged into my new account and still only see the same paid-off XXXX XXXX  XXXX On the same day XX/XX/XXXX, I called Edfinancial to get information about my loans because payments will presumably be restarting in barely a month. Their customer service representative confirmed that my loans were still in the transfer process and once the transfer is complete I will be able to see them in the portal with the new login I created. I asked when my next payment would be due. I was told they are unable to tell me at this time. I asked how much my next payment would be. I was told they are unable to tell me at this time. I asked what repayment plan I was currently enrolled in. I was told they are unable to tell me at this time. With payments resuming sometime in the next month or two ( I am unable to know the exact date due to Edfinancial withholding the information from me ) I am unable to make an early payment, enroll in an income-based repayment plan, or even adequately plan for the resumption of payments. Because they have already missed their own timeline, I am concerned that they will not have the information available to me before my payment is due, and that once they do have it they will backdate interest and penalize me for missing a payment. I am also concerned I am not enrolled in the most advantageous repayment plan available to me, but I am not able to determine what plan I am on or apply for a different one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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 recently check my credit report and realized out of all 3 major credit bureau experian has so many inaccurate information about my personal info and my credit info also they are using an outdated method of credit reporting

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello last month I recently submitted a dispute with Transunion regarding a XXXX XXXX account that was fraudulent open in my name. I have contacted XXXX and the debt collector numerous times with this fraud matter and nothing has been resolved. Transunion decision was that the information was accurate and refused to remove this fraud from my credit report. XXXX has removed it but Transunion declined. I want this to be reinvestigated by Transunion moving forward. I have placed fraud alert on both Transunion and XXXX and XXXX since the pandemic began.. So the system has failed me. And now its stuck on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JPMCB ... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Amazon set me up for a subscription without my permission and has been making it difficult to cancel. I have called several times to cancel the account and be refunded only to have it reopened and be charged again. This has negatively impacted my credit score as my family is in the market to purchase a home, its very frustrating. In addition I have had several of my credit card accounts closed and I suspect ( since they are administered by Synchrony bank ) it is due to the Amazon store card situation. It has been and continues to be a great hindrance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is a complaint to CFPB Case XXXX. The individual from Synchrony Bank who handled my case was XXXX XXXX, Senior XXXX. I was a victim of an armed robbery and a series of subsequent fraud attempts on my card on XX/XX/, 2022. The card number at the time was XXXX. My current card ends in XXXX. 

After waiting for two weeks using the CFPB complaint service, I received a letter ( attached to this complaint ) stating that I need to have the detective email the Bank. The complaint has since been closed after that response. It has been over a week and counting since the detective sent the email on my behalf. This will make it three weeks total in addition to the months in which I've already been requesting this information through email, phone, and the CFPB. I don't want to continue delaying my request for information to receive key information that can lead to an arrest in the case. I should've had this information months ago. 

I don't appreciate having to hound the Bank 's fraud team for over a year for information on behalf of my personal protection as their client. Every attempt of communication in most cases has been some form of cop out to not serve me ; and it has accumulated to a year worth of fruitless outcomes. 

I am requesting all identifiable information related to three transactions ( two XXXX, one from XXXX ) made on XX/XX/2022, shortly after the armed robbery and assault. The screenshot of the text is also attached. IP addresses, locations, items attempted to be purchased, address ( for XXXX transaction ), and all other relevant information to the extent possible would be greatly appreciated.

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 2023-05-19
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: Account information incorrect

Complaint:
This isnt my account I never applied or opened a XXXX XXXX account please help remove it

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 2023-01-02
Company: EQUIFAX, INC.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2017 XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my Transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I, swear this information in my sworn statement is truthful to the best of my knowledge and understanding. My affidavit is being sent to you in response to you reporting the accounts above on my credit profile with your consumer reporting agency. Both the claims are disputed as inaccurate reporting and should be immediately deleted from Medical Data Collections Account and the 30 Day late payment from XXXX XXXX XXXX Account. 

Pursuant to 15 USC 1681b The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. THE LAW IS CLEAR BELOW, ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Equifax HAS NOT SPECIFICALLY addressed why they continue to respond that they are contacting the reporting agency to investigate when the law states clearly under 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) " such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Equifax HAS NOT ADDRESSED that Under 15 USC 1681b you do not have permissible purpose from me ( the consumer ) under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I want my specific FCRA Rights upheld. 

Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Account status incorrect

Complaint:
XXXX  investigation showed this account was to be deleted of my credit which XXXX did but XXXX and transunion still have not after ive disputed this with then countless of times. Ive attached files showing what account was deleted on my XXXX  report. That needs to be deleted off my transunion and XXXX. Thanks

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 2023-01-02
Company: EQUIFAX, INC.
State: IL
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 3rd 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 Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: UT
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove 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
Consumer complaint received 2023-10-21
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation