BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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:
The company has taken over 60 days for many disputes including the most recent with CFPB. They have not updated my credit scores either and all trade lines across all XXXX of my reports match equally. My income to debt ratio is also excellent. My income is XXXX a year annually. Yet, my credit score is XXXX and nearly XXXX with XXXX and XXXX and XXXX points lower with Experian v XXXX. 

I feel that there is bias with this company because I choose not to use their Boost system any longer and they are penalizing me for filing complaints. My credit score has actually gone down with them since finally complaints and my payment history has actually gotten better with paying off a student loan and all of my credit card debt. Explain this Experian?

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REPORTED TO THE CREDITOR THAT THIS ACCOUNT IS FRAUDULENT.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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 DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 an 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 2023-11-17
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX off XXXX Recent changes XXXX XXXX XXXX XXXX point since XX/XX/2023 Balance Increased XXXX account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your XXXX automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX account balance decreased Today XXXX XXXX XXXX XXXX Wrong info from XXXX XXXX to Transunion

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 2023-07-10
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent this harassing collection letter today after I already made it clear to XXXX to Cease and Desist almost a year ago!!! I am not paying it and can not as I have been taken off work on a medical XXXX leave for the last 11 months which is UNPAID leave from my job at XXXX XXXX XXXX XXXX XXXX!! I have XXXX savings, XXXX assets and no income and have not had any income for almost a year!! I do not know when I will be returning to work or if I will be able to at all! I am XXXX yrs old and was taken off for XXXX XXXX XXXX with XXXX symptoms! I have attached another Cease and Desist letter for you to give them as they ignored the last so want all on file with your office!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX Via USPS Certified Return Receipt mail XX/XX/2019 To Whom It May Concern : On XX/XX/2019 we received communication from you regarding an alleged order from XXXX XXXX XXXX for medical supplies sent to our address. We did not order or authorize this shipment. You stated that we owe {$3000.00} for medical supplies because the supplies were never returned. Unfortunately, we can not find these items. We believe they might have been thrown away. 

Per 39 U.S. Code 3009, section B - this unordered and unauthorized merchandise may be treated as a gift by the recipient, who shall have the right to retain, use, discard, or dispose of it in any manner he sees fit without any obligation whatsoever to the sender. 
With this, we dispute the above-referenced debt to your client. 

Please verify this debt as valid as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). Please validate my original order for these items, including payment ( s ) made for these items, as well as my authorization to deliver these items to my address. Please also send the company name and address of your client who is alleging this debt. 

Because I am disputing this debt, you are not to report this to any credit reporting agencies. If you have already reported it, please notify me of this fact and notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. 

Please return your validation date to me in writing addressed to me at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, WA XXXX. 
Thank you for your cooperation in this matter. 

CC : Federal Trade Commission via web entry CC : WA State Attorney General online CC : WA State Consumer Protection Bureau XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX XXXX denied credit card application via letter due to " The credit report shows a bankruptcy ''. Company advised consumer that XXXX  was the credit reporting agency who provided the credit report. 
XX/XX/XXXX Denial letter received by consumer. 
XX/XX/XXXX I pulled my Equifax credit report. THERE IS NO BANKRUPTCY LISTED. I do however have 20 years of credit history, 32 open accounts all in good standing or paid in full, an 8 % debit to credit ratio for revolving credit, one small XXXX XXXX dollar medical collection from XXXX that was disputed and a XXXX FICO score. 

Company appears to be using fraudalent data in order to deny 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 explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXXXXXX

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 2021-05-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has placed a random and unnecessary limitation on my account stopping up my daily business. 

Insubordination by representative, XXXX, at PayPal ... agent claims that he sent a message to operations claiming that I will not submit requested photo ID to verify account exposing personal information and risk. Customer will not be treated unequally to any other PayPal customer who is not required to upload personal photo identification. 

Allegedly and according to agent XXXX, this limitation stems from a dispute through XXXX in XX/XX/2021, and evidently PayPal lacks communication skills in order to obtain dispute resolution records with their partner in crime, XXXX. 

This was the exact message from PayPal upon limiting my account. 

" We need some info from you We noticed that there were some changes to your account activity. To understand this better, we will require some information from you. 

Until we receive your information, some features in your account will be limited. You'll be able to regain access to these features once you provide the information we've requested. 
If you're unable to submit the required information by XX/XX/2021 or if we notice additional changes in your account activity, your access will be further limited. 
Reference ID : XXXX Well start our review after you have completed all of the below required tasks. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: IN
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 5 accounts all show late 120 days, but they are collections and shouldnt show past due, this is a violation delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX account # 1 XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 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 2021-05-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX I made a payment to XXXX XXXX for a car loan. This was my first payment The payment was processed. I check a couple times on the online system and it said the payment was processed. 
I received an experian credit report update on or aroundXX/XX/XXXX that said i have a late payment with XXXX XXXX. I checked the call in system and it said payment was processed onXX/XX/XXXX. I called the XXXX XXXX rep to find out what happened and she said payment was processed. I said your system told me it did. I found out that my bank gave me the wrong account instructions for my account. They wrote me a letter saying this was not my fault. That and also the XXXX  system telling me that the payment was processed gave me no way to no that I was 30 days lately. This is damaging my credit unfairly

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 2019-08-07
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having problems with roundpoint mortgage not dispursing my escrow money to my insurance company to pay my yearly ins premium. I have reapeatedly have called them and they have put me on hold numerious times along with lie n to me sayn they have overnighted my payment to my ins company.this has gone on since XX/XX/2019. They refuse to dispurse my money and i have well over the amount to pay it sittn there nor will they give me a explanation y..soo on XX/XX/XXXX my ins cancelled me n i had to pay out of my own pocket a XXXX dollars to reinstate my homeowners in n to keep this rgt for time being or till i can seek legal advise n consultation. I want something done about this 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 explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CO
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:
New -XXXX  XXXX XXXX failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.

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 2021-10-25
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
PERSONAL INFORMATION on my credit report is inaccurate and despite several requests, has not been updated XXXX XXXX : ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provided. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus. ( 5 ) incomplete account number and inconsistent reporting with each bureau. XXXX  ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provide. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus and indicates no investigation was done of the bureau and/or creditor would have updated the dola. ( 5 ) incomplete and inconsistent 2-year payment history reporting with each bureau. ( 6 ) XXXX  inconsistent and inaccurate across the three bureaus.

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 2023-11-16
Company: SYNCHRONY FINANCIAL
State: SC
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:
Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with SYNCB/PAYPAL, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.

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 2023-03-21
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:
It has been over 30 days and the credit has not updated the information nor has provided proof or documents in regard to late payments on my account. Under federal law, they had 30 days to delete the incorrect information and they have not. 
In addition, I was not given any opt-in or opt-out information on reporting by 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX student loans 5. Any credit reporting agency i.e. XXXX, Trans union, XXXX violation of federal law as outlined and enforced, also this is a violation of Trust Res property and certified documents held by a private American wo is not a United states citizen. 
All latest are to be removed immediately from my entire report, XXXX XXXX Deleted, all credit balances as well. No intimate information must be shared as they do not have my permission.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXDispute XXXX/XXXXDispute  XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed

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 2023-10-09
Company: EQUIFAX, INC.
State: CA
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 XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$570.00} XXXX Inquired on XX/XX/2023 XXXX  Inquired on XX/XX/2023 XXXX XXXX Inquired XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief