BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: AL
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:
I feel that these accounts are adversely affecting my credit report and its causing me unnecessary stress. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. XXXX was not able to verify these accounts showing any of them belonging to me and they have deleted these accounts. I have attached a copy of the report showing where XXXX deleted such accounts. And according to the FDCRA unverfied inaccurate reporting is a Violation. So how is it that you are saying you verfied these accounts I do not believe anything has been done at this point. I need this problem fixed immediately and I should not have to wait another 50 days just to receive a response saying I'm not who I say I am because its clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly isnt that what the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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 on 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 are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX  XXXX  XXXX Balance Owed : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This dispute is for the credit reporting for the end of the loan on a XXXX XXXX XXXX. I traded the vehicle in on XX/XX/XXXX. The car dealership XXXX XXXX resold the vehicle to a new owner XXXX weeks later. I took possession of the new vehicle the day the mustang was traded in on XX/XX/XXXX. Due to the Car dealership taking so long to process the financing paperwork one of the banks backed out of financing and they had to secure additional financing. That was finally completed the third week in XXXX. After it was secured after their delay and by no fault of my own. Payoffs were sent for the trades to the lenders despite the vehicle being resold to a new owner more than a month before they sent payoff. Santander then proceeded to report a 30 day late payment despite payments going through weekly prior to that. I was in contact with Santander the whole time explaining the situation and I was advised that they will hold the account and provided information for the dealership and tracking for the payoff. I reached out to Santander consumer services after they reported a 30 day late to my credit report and was advised by a really rude rep that Santander didn't care what happened. That is terrible considering everything going on with the pandemic and in the world that Santander would be such a predatory lender. This was not my fault and I feel like I should no be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have several store cards through Comenity. For close to a month I have been unable to access my account or make payments. I have called to pay through the phone, but I am also unable to make payments there. They say the call center is closed and/or is unable to access our accounts. 

They had a banner on their site that they will only be suspending late fees for people trying to pay through XX/XX/XXXX. They also direct to pay via an easy payment option that is also not working. 

I have no way to pay my cards and I'm worried I will accrue late fees and will get reported to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
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:
Experian has provided false information of XXXX XXXXXXXX XXXX GA XXXX verifying the public record on consumers file as accurate. Under the FCRA, courthouses do not verify public records to credit reporting agencies, credit bureaus, third-parties and vendors. Experian states on report of dispute results that XXXX XXXX XXXX XXXX XXXX, is the third-party vendor who provided them information regarding the public record at https : //experianconsumers.XXXX.XXXX/. XXXX is not the original data furnisher of this information as required under FCRA and must be deleted for false reporting and XXXX could not verify this public record in their database : Chapter XXXX bankruptcy. Continuing to report the public record is a violation under the FCRA as stated above, I have requested for Experian to stop reporting the public record and delete it from the consumer 's 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 explanation
Consumer complaint received 2023-11-09
Company: SinglePoint GI
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from General Revenue Corp. dated XX/XX/2023 and received on XX/XX/23 ; Acct # XXXX regarding an alleged debt of {$4700.00} I assume it's for tuition bills. XXXX University is named in the letter as a creditor and charged me erroneously for classes when they knew the charges were excessive and not required due to providing students with misguided information and knowingly advising students about false degree completion times. And, I haven't taken any of those classes associated with the charges and or timelines. This situation was specific to XXXX students and the school was identified in several lawsuits, of which some are settled and some ongoing. The lawsuits speak to this very situation, where students were taken advantage of with erroneous tuition charges and were charged due to ongoing timelines for degree completion, when in fact students were led to believe that they would obtain their degrees sooner based on fraudulent advertising ( " Bait and Switch technique '' ) I can't personally divulge any particulars of those suits due to confidentiality. However, XXXX 's alleged and fraudulent charges indicated in the General Revenue Corp letter, are within the timelines for the lawsuits. The tuition amounts XXXX alleges I owe, do not match with any XXXX classes taken and are fraudulent based on this explanation in this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my consumer reports I noticed that the bureaus are furnishing negative accounts without any verification or proof of validation of this debt or that you followed all laws and regulations to report. To my knowledge you have not completed a thorough and reasonable investigation of the completeness and accuracy of these accounts listed below, in accordance with 15 U.S.C. 1681 ( i ). 
Account Name : XXXX XXXX XXXX XXXX, Open balance {$440.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$3500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$2500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$41000.00} Take Notice. If this matter is not corrected in a timely manner, I have every intention to proceed with the administrative process and hold you all civilly liable as it will be clear you are in violation of 15 U.S.C. 1681 ( e ) ( b ), in regard to my injury. You have 3 days ( 72 ) hrs. to correct the status of my consumer report by removal or a status correction of paid in full of all above mentioned accounts. This is my written direction to you in accordance with 15 U.S.C. 1681b ( a ) ( 2 ). 
ALSO YOU WILL SEE ATTACHED THAT THEY ARE NOT COLLECTING ON THESE DEBTS. 
This is a LEGAL NOTICE and not a letter. 

Best Regards, By : XXXX, UCC 3-402 ( b ) ( 1 ) without recourse/ all rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo suspended my account without any explanation. I have been trying to get this resolved for three weeks and no one can tell me why it was suspended or how to fix the issue. When I called I was told it would take 7 business days to look into. I'm still waiting two weeks later. They are holding money in their account that I need access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: Global Lending Services 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Im attaching the required FTC Report for you again ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

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 2019-03-20
Company: Sterling Infosystems Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
According to paperwork I received from a neighbor ( The mailing address was wrong, so it didn't come directly to me, and we have many new mail carriers who are unfamiliar with our neighborhood, so I'm guessing they didn't recognize my name ), my job requested a motor vehicle background check on XX/XX/2019 after working for them for over 5 years. Sterling XXXX XXXX is the company who did the background check and provided a report to the HR department of the company I work for. I did not sign any documents giving permission for a background check to be done, so this was done without my consent and then provided to my employer, who sent a letter this week, saying they are terminating my employment for a speeding ticket from almost 2 years ago. I need help addressing this matter where illegal action was taken in regards to my personal information, then provided to my employer, resulting in termination. Exact words are, " Based on this information received from Sterling XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, telephone ( XXXX ) XXXX, we have decided to revoke your conditional offer of employment. '' Can you please help me get this resolved? 
With Gratitude.

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