BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i cant get a response from the credit agencys The accounts listed here and several others that i have no room to list are not mine and represent fraud by being posted on my credit file. This was concluded after checking my personal information in my credit file and noticing variations of names and addresses that were not mine, nor did I change my name or address since these fraud items were noticed to confuse the fact of who I am. I'm not aware of who is responsible for my identity misuses and I just learned of this identity theft after viewing a recent credit report of which accounts reference in this FTC complaint contains within. I will be researching fraud alerts that are entered in my credit file along with this FTC filed notice. Because of the severity in damage this fraud is causing, Im seeking legal counsel that will inform me further in reporting this to the proper law enforcement department and once completed I will then update this incident with a case number to follow up with the Consumer Financial Protection Bureau

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 2020-10-26
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The creditor they were/are representing did not stick to the contract due to a personal issue with me which resulted in a wrongful repo and tried to blame me.the negatively affected my credit, when the real issue is the company is XXXX and tried to cover up the damages done to my car without my consent when it was supposed to be repaired under their time/warranty. Court documents states i do not owe this money.case was dismissed This is my 3rd time reaching out.

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 2018-03-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called XXXX XXXX and they reported that it showed that the amount had been paid in full on the said date. 

However, Equifax is still reporting the debt as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: LEXISNEXIS
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX,oh XXXX XXXX XXXX XXXX XXXXohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
This is my fourth 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. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 ACT XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JEFFERSON CAPITAL SYSTEMS Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX CONTACTED COMPANY TO REQUEST PROOF OF SERVICE NO RESPONSE OR DOCUMENTS TO PROVE THE VALIDITY OF HER CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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 sent a certified letter to Experian in XX/XX/2020 trying to dispute a collection on my credit. The Collection is From XXXX XXXX XXXX and I did not find out about until I got an alert on credit. This is my second time disputing this and Because XXXX XXXX XXXX did not inform me of my right to initial debt validation I was not able to dispute the debt in the First 30 days. 
Consequently Experian and XXXX XXXX are able to keep reporting this information as accurate without proving the debt is valid.

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 2023-11-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted all three bureaus to have this XXXX account removed from my report this account is not mine it belongs to my son we have similar names and our address is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
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. Account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 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 attended dates the report by more than 7 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 2018-08-14
Company: Consumer Portfolio Services, 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: Account status incorrect

Complaint:
I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
There is an unauthorized inquiry on my report that I would like removed. I am unaware of its source and request it be deleted from all three credit bureaus. Inquiry dated XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've made over 20 calls to their customer service and I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. Especially during the pandemic, I can not afford to have my Stimulus check sitting in an account for 180 days because PayPal says so, and no other reason. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see complaint XXXX. Chase ' response regarding the payment date of Escrow is completely made up. They claim to have paid property taxes on XX/XX/XXXX, the attached escrow statement shows they were paid on XX/XX/XXXX. I have also confirmed with XXXX XXXX that as of the morning of XX/XX/XXXX, taxes were unpaid. Chase did this on the same day as the payoff, despite being in receipt of payoff funds. They caused the entire shortage themselves and have now created hours of work for me trying to ensure I'm not paying per diem interest over their error. I still don't have my refund. It is now somewhere between Chase and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/20. This date was the last time of many times they called my parents who are in there 80s. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: WA
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 confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 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. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Over the past few years my identity has been compromised in over 36 security breaches from the following companies : Equifax in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

XXXX  : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank XX/XX/XXXX XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm Misc Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am 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 explanation
Consumer complaint received 2022-08-06
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i was sent a e-mail stating i was saying i got approved i just need a cosign i ask for XXXX  i was also send a promissory note

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello My private student loans were initially handled by Sallie Mae until Navient took over. I have been paying my loans on time for the last 7 years and the throughout this time I have been noticing the monthly payments are increasing and the portion of the monthly payments is going towards the interest and not the principle balance. I called Navient regarding the matter and their response that this is out of their hands and the interest varies based in the stock market rate!!!. I explained to Navient that if my credit score has been improving, my principle balance is decreasing and my on time payment history is excellent, why would my interest change and my monthly payment is increasing?. 

I also applied for a release of cosigner request, providing them with documentation that I have been paying Navient on time for the last 7 years and proof of graduation and U.S citizenship, but they still rejected the request based on invalid reasons. 

I really believe as a borrower that we need a break. I keep paying for money that I have borrowed almost 15 years ago when I was young and nave and unaware of the consequences. I really need help to get out of this never ending loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXXXXXX 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act section XXXX, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.

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