BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Hi AMEX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying since XX/XX/2018 to close my XXXX XXXX secured credit card with XXXX XXXX, I called them in early XXXX and was told I could credit not close the account over the phone. I sent a letter asking them to close my account and correct my payment history they sent me a letter back saying that my history was correct I then called them again and asked to close my account and was once again told I would need to submit it in writing. I sent another letter telling them I was in az because my daughter has XXXX  XXXX and I could not afford the card any more at this point I was not 30 days late but I did have a XXXX dollar late fee added to my balance. they still will close my account and now my balance has went from XXXX to to XXXX dollars and 60 days late.

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 2018-09-02
Company: ORG GC GP Buyer, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX  dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Letter from PayPal Credit ( fraudulent ) representation : Called number on statement and provided personal information Later identified it as phishing. However, they gained my personal information. 

I would like to later provide the fake statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX-XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/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  -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  -- -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions 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:
Upon dispute with XXXXXXXX XXXX  acct # XXXX due to identity theft XXXXXXXX XXXX have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, Experian and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Deinde Online Services, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am filing a complaint against Integra Credit for operating a payroll loan service in the State of Arkansas and charging customer 's interest rate beyond the allowed limits in the state of Arkansas which is 17 %. Also, under Arkansas Law payday lenders are prohibited from providing loans to customers in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 believe my information might have been in someone elses hands or might be part of a breach these inquiries and account dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion will not allow me to get a credit report online or dispute. When mailing, they won't respond. They are continuing to report inaccurate information. Every time I call to speak with a representative im on hold for extended periods of time.

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 2018-09-02
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
the following unauthorized inquiry need to be removed : Made by : CREDCO Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,

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 2022-12-20
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, my son let me know that he had not paid his mortgage since XXXX. Both myself and my husband are cosigners on the loan. On XX/XX/XXXX, I paid all outstanding payments and he is now on track. UWM did not notify me or my husband in any way to let me know that there was a 30 day late or anything. There have been no emails, no letters and no phone calls. 

On XX/XX/XXXX, we looked at our credit and it is a mess. After talking to a lender, they said to call the mortgage company. On XX/XX/XXXX, I called and talked to someone who said they don't contact cosigners because they don't have their information. I have another mortgage with them and get XXXX from them in email all the time. And on the original loan documents they have my address as " borrower General Contact Information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My child was personal information have been report to a credit bureau, this is fraud

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 2023-06-29
Company: Experian Information Solutions Inc.
State: ID
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:
Account was sold/transferred from XXXX to XXXX XXXX . According to the date the balance should have been paid with automatic payment before the transfer.

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 2022-08-10
Company: PNC Bank N.A.
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:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies Transunion, XXXX   and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me 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 2023-10-19
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Company: Experian Information Solutions Inc.
State: OK
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 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 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 2018-09-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. XXXX  of XXXX  account no. XXXX being reported multiple times on all three bureaus. 

2. Balances incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.

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 2018-07-26
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. 

As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. 

I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. 

My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: KS
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:
Ive sent numerous letters to all 3 credit reporting agencies about reporting 2 repo 's on my credit report from XXXX XXXX and XXXX Consumer i did not give them any written consent to report these. As law 15 usc 1681a2 states.

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