BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: EQUIFAX, 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 have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : 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 explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''

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 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2021-09-21
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
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: Was not notified of investigation status or results

Complaint:
I NEED THE CFPB 'S HELP. I 100 % feel neglected by Transunion, XXXX, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: ME
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 XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I 've challenged and disputed this numerous times with no progress - so I 've pretty much exhausted my efforts at this point. This is regarding my Private Loan with Navient, account numbers as followed : XXXX ... XXXX ... XXXX ... XXXX ... <P/>The following account numbers are reflecting/reporting inaccurately and contain erroneous late payments on my credit report and are detrimentally hurting me financially as I am not able to purchase a home for my family. I 've sent numerous letters to Navient with no response. <P/>The late payments dated : XX/XX/XXXX ' - 60 days late XX/XX/XXXX ' - 90 days late XX/XX/XXXX ' - 120 days late XX/XX/XXXX ' - 150 days late XX/XX/XXXX ' - 180 days late XX/XX/XXXX ' - 60 days late During the end of XXXX, I lost my job and called Navient and attempted in good faith to delay my obligations while being unemployed - Navent went onto qualifying me for 'forbearance ' and required that I pay {$150.00} 3 times to put my forbearance into action, which I paid. Later this year, upon pulling my credit reports I noticed that the late payments were reported during forbearance and are reflecting erroneously and inaccurately. <P/>I reached out to the bureaus and they came back saying it 's accurate. <P/>Now the problem is that these late payments do not have 30 days late reporting precedent to the 60 day lates, which is completely inaccurate if the case was that I was late and it was reported correctly. This is totally absurd and not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ).

I have not initiated any transaction with Advantage Credit Inc. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX. for review or collection.

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 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXXXXXX XXXX {$690.00} 3 )  XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXXXXXX XXXX XXXX {$950.00}

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 2022-01-08
Company: Paypal Holdings, Inc
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 getting it back up and going. 
I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could 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. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: WV
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:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Account status incorrect

Complaint:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are violating the law by continuing to report as a charge off each and every month.

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 2019-10-23
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
Name : XXXX XXXX XXXX : XX/XX/1966 Last 4 : XXXX Experian, XXXX and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like Experian, XXXX, XXXX to remove the account, because they were not able to validate the debt under FDCPA.

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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Self Financial 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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:
I requested that Transuion remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at transunion on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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