BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
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 status incorrect

Complaint:
XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

XXXX transferred my loan to their XXXX XXXX XXXX company in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus. 
4. My credit score has dropped 169 points. 
5 My mortgage states still shows the full amount of the deferred amount as due. 
6. They are also charging me for hazard insurance.

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 2022-12-14
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
I purchased a couch from XXXX furniture on XX/XX/2022 through the store XXXX named XXXX XXXX, the couched was delivered XXXX the XXXX with a tear, stains, XXXX different cushions, slip cover was to big for XXXX side and the couch appeared to of been dropped as it sinks in the middle. Ive tried to get them to replace the couch as I stated to my credit card company, Ive reached out XXXX times with my credit card company following up which is documented through XXXX cards which they stated they spoken to the merchant at the store on XXXX occasions. The XXXX  time the merchant told XXXX card that they replaced the cushion and slip cover which was not true, on the XXXX occasion the merchant told my credit card company that they sent a whole new couch which is also not true. through XXXX furniture a tech was sent out from the manufacturer of the couch, the tech stated that my whole couch needed to be replaced. they refused to replace it and my credit card company closed the case unknowingly to me till I called back with new information and they stated that they closed the case because a merchant of XXXX furniture that they replaced my couch and the credit card company did not let me explain that I did not receive my couch and now the refund is back to the merchant and theres saying theres nothing I can do about it. I need help in this matter because this is still ongoing and Im stuck with a couch I do not want that is damaged we have already spoken with the merchant and nothing is being promised about a refund.

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 2021-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I send a request to have the fraud alert removed from all 2 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
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. 

XXXX XXXX XXXX Account # XXXX, 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: IL
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. 

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, 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-05-21
Company: EQUIFAX, INC.
State: OH
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:
XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per complaint # XXXX on XX/XX/2021 and final remarks received XX/XX/2021 reveals hud-1 and purchase contract did not show {$49000.00} and contract not signed. 

This documentation was initially submitted to XXXX in the Ombudsman department a month ago by email. 

I am forwarding the information again. 

Please see attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Experian Information Solutions 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:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

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 2019-11-05
Company: EQUIFAX, INC.
State: OH
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 been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a few creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all XXXX of the accounts, and that all 5 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt XXXX attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these XXXX accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 5 items remain on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Someone tried to activate service under my name with XXXX XXXX without my knowledge or consent. I am disputing a credit inquiry from XXXX that was submitted to XXXX XXXX on XX/XX/2018. I am asking that the inquiry be removed from my credit report as I did not authorize this inquiry.

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 2016-04-06
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid on this XXXX mortgage for 8 years and recently decided to pay it off. When I started looking into the payment history which is on line, I discovered that the payments have not been equitably allocated throughout the 8 years I have been paying on the loan. There is no consistency in the allocation of interest, amount toward principal, etc. There are also " fees '' listed with no explanation. I tried contacting the company and they would not give me any answers. I turned over the matter to an attorney and the company has not been responsive to the attorney 's attempts to obtain any information from them. My attorney suggested that I file a complaint with this agency in order to make the company respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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/2021 I reviewed my TransUnion credit report and noticed that TransUnion was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.

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 2020-07-14
Company: EQUIFAX, INC.
State: LA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: SC
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 reported identity theft and the accounts were closed only to discover they have reappeared

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 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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 extra incorrect addresses that are reporting to my credit report. These addresses do not belong to me. I have attached documentation showing my only address.

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 2023-02-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
on XXXX XXXX XXXX  XXXXXXXX XXXX add a derogatory mark on my credit report per XXXX XXXX XXXXd Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2016-12-17
Company: Paypal Holdings, Inc
State: MS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
As a verified PayPal member, I am trying to make a simple purchase of {$250.00} on eBay for a PayPal Digital Giftcard auction item. PayPal, yet again, will not allow me to make a purchase because, according to their telephone agent, a transaction was recently made on my account which used my connected bank account. A standard response of " we 're trying to make sure you 're account was n't hacked '' will not suffice.

Company response to consumer: Closed with explanation