BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX : {$700.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX MD PA ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}.

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 2021-03-06
Company: JPMORGAN CHASE & CO.
State: VA
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:
As a credit card owner of a XXXX Chase card, I wanted to pay my credit through the bank. I was told that I could and that I could use the single standing atm to pay instead of waiting for the payment to go through online, which takes longer. It has been two days and I can not pay my credit card. I work from 9-5 at an office 30 minutes away ( due to traffic ) from the nearest branch, so it is never open on weekdays, and I live about 1 hour away from that same branch ( because it is the only branch close to me ) on weekends. So I know it is near impossible now to pay my card at the branch location so I try to pay it at their atms instead. But the atms I have used dont work. I have called their customer service which wont let me talk to a representative because Im not a Chase debit card holder so I have to go through the XXXX side in order to let them know their atm is not working. The problem keeps rising because yesterday I was told that these machines have a sensor that lets them know when they are broken but today I was told they do not. I was also sent to someone who could probably pass the information along but they hung up on me. This company says they are for their customers but I have been hung up on and not called back, and also ignored because I have made the right decision to not open anything further than my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.

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 2020-02-04
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: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

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 2018-04-20
Company: ReliaMax Holding Company
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payment is due on XX/XX/XXXX of each month. I had a payment scheduled on XX/XX/XXXX for XX/XX/XXXX on XX/XX/XXXX an email was sent to the co-borrower stating that a payment had not been made. The account was not even 10 days late. My Dad, the co-borrower, made an additional payment, on top of the one i had already made. Something needs to be in place to show pending/ schedule payments. This is ridiculous!

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 2020-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing for years in reference to a bankruptcy that is listed on my credit file with Equifax/XXXX/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NC
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 sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXX XXXX  Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Transunion Every time I dispute this account w/any of the 3 credit bureaus my TransUnion score drops when XXXX updates the descriptors/history. XX/XX/XXXX dropped XXXX points. So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation its from the bureaus because The TransUnion website wont allow me to request my report, nor dispute ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  ( see attached supporting documentation its from the bureaus because the TransUnion website wont allow me to request my report, nor dispute )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 
Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!

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 2019-09-20
Company: Westcreek Financial
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed there is an account that I did not open reporting as late in my credit report. I lost my check book and immediately notified my back and they changed my account information to protect me from fraud. However it seems that some one used my old checking info to open and account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent multiple letters to Transunion to delete an account that is over 8 years old with XXXX XXXX. All the other bureaus have corrected this but Transunion has not. This account is outdated and needs to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I notified the company I have not received any text messages, letters or emails concerning any delinquency. They sent info to the wrong place. This was confirmed on one of my calls to Discover. I received a 30 days past due hit on my credit. Had I received proper notice from Discover via these platforms there would not have been any delinquency as I travel. In addition I was blocked from electronic payment for a period due to opening a second Discover account. I could not log in as it required both credit card numbers. I did not receive my 2nd card with the required info. I called Discover, they would not tell me the card number. I had to wait to receive the 2nd card in order to access the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Through Trans Union I have had the same amount on my credit report for over two years. I am trying to find out why it hasnt been changed to a higher number. XXXX and other are at a lot higher rate,

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 2023-03-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 called Discover card on XX/XX/XXXX advising them that I was impacted by COVID-19. Discover was made aware that I was impacted by the pandemic. Regardless they entered a late payment on oil for XX/XX/XXXX. I called again to report that it was due to COVID and still they reported it as unpaid for that month. I need to have this removed and returned to on time because I did notify them that I was being impacted by the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a mortgage processing for myself, and I found out by that time on XX/XX/XXXX that I have several hard inquires on my report, after carefully investigate these items, I realized that my information has been stollen and went to wrong hands. 
So here I am : It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

I '' M NOT USING ANY THISR PARTY FOR THIS COMPLAINT, I'm representing myself, by myself. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
THESE ARE NOT MINE AND BEEN PLACED ON MY REPORT BY FRAUD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My position is being clearly stated, items do not belong to me, meaning that you are reporting inaccurate information within my credit file. 

YOU are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, they are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I'm including here FTC REPOERT, SSN card, Proof of Address and copy of my Driver Lisence.

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 2019-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery associates continually calls me on a number I have told them repeatedly not to contact me on. Each time they call its from a different number. Ive told them to send me information in the mail and that they are NOT to contact my by phone. The last time I spoke with them I told them I would be reporting them and calls ceased for about 2 weeks. I came home today to find that they had resumed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Source Receivables Management LLC
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:
15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Fradulant charges on account and tax return used on account putting account at {$0.00} and being assessed fees associated with not having funds. They did n't put the data or the police report bin their system. They want me to file paperwork again. Similar thing happened to me with my credit card from this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX when the loan forgiveness was initiated. My loans have been consolidated and passed from company to company. In the process my loans have been put in deference sometimes against my request. I made payments during that time to keep interest low. I have resubmitted my employment verification several times and it was either denied or dismissed. Currently they are not crediting me the payments made prior to their service and the ones made in deference even though I have submitted paperwork. They are claiming it's out of compliance but won't help. They also claim that my work ended in XX/XX/2021 even though my work says I'm currently still employed. So none of my payments from XXXX on are counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: DISCOVER BANK
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:
DISCOVER FIN SVCS LLC XXXX Date opened XX/XX/2016 Balance {$1900.00} I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation