BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
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: Account status incorrect

Complaint:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

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 2023-06-04
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have medical debt from various collections agencies. I called to talk to someone at the same agency ( XXXX XXXX XXXX ). I spoke to three people who gave me three different prices. 
I will be starting law school in the fall and wanted to take care of my medical debt so that I have good credit for my student loans and get an apartment. Although I recently set up a payment plan, I am confused about my amount and frustrated by getting three different total amounts owed from three representatives. 
Additionally, I mentioned that amounts that were below {$500.00} should be removed and they told me that wasn't true/had n't been passed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Capital Credit and Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company in question is XXXX XXXX of XXXX, OR. They hired Capital Credit & Collection of XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX with a phone number of ( XXXX ) XXXX as collector on my account. 

This company ( XXXX XXXX ) purported to provide XXXX page 1 ranking for my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contracted to pay them $ XXXX/month for this service. I never received any ranking results nor communication from them after I started paying  them. 

After approximately 9 months of them taking out $ XXXX/month I asked them to stop all charges ( by telephone ). They said I was under a contractual obligation to continue. I told them I was getting no results and was very unhappy with the service. They refused to stop charging me or cancel my subscription. 

I continued to pay until my card expired, at which point they could no longer charge me. They said I still owed them. I argued they provided no tangible results nor proof they were doing anything for me. 

The final amount owed was {$75.00}. I ended up just paying the {$75.00} in XXXX of 2017 to close the account. However, my personal credit was negatively affected as a result of the collection effort they took upon me. It should never have attached to me personally as an individual as this was a company account. 

I believe they are continuing this practice with other unsuspecting people/companies. I also believe they do nothing to help increase ones ranking on XXXX as no reports were ever provided. 

This kind of practice needs to be stopped. 

Here is a link to XXXX where many people have said the same thing as I have and had similar bad experiences not being able to cancel their subscription. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TSC Accounts Receivable Solutions has reported on my credit multiple times a month, this debit was taken off in 2019 for identity theft and now TSC has re-aged this debit on my account. I have sent them letters to verify the debit as well and have not received anything back. I have also contacted XXXX and talked with them about the issue and that it was taken off in XXXX. They were able to see this and also added a fraud alert on my account. They continue to call me and try to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, 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 have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Discover Financial for over 7 years within that time I have been late once. My credit limit has always been maintained. So it comes very disarming when my account with a XXXX XXXX credit limit, is then dropped by the exact amount that I paid off XXXX. After speaking with other homeowners and professionals in my urban area as well as zip code, it has become apparent that this the new norm for them. By them doing this they are effectively damaging my credit by changing my DTI ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: VA
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:
There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but XXXX and Experian has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filling this complaint to JPMCB AUTO for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose

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 2023-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX  balance.

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 2020-12-07
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Please be informed that I have received your computer-generated letter stating that you have stopped investigating my credit reports because you conclude that I have used a credit repair agency from a third party in your opinion. Not only do I think this on your part is a delaying tactic to give you an additional 30 days to comply with my original request, but I think it is a direct breach of the FCRA. 

On XXXX and XXXX by certified mail ( copy enclosed ), you were told by me that I am seeking to have these misleading errors on my account investigated and deleted. 

Furthermore, there is NO rule specifying that a customer should not use a third party, so it is pointless to use it as an excuse. In fact, the United States Congress has found the whole process so daunting that if the customer so chooses, they give customers the right to use a third party on their behalf. This is why it's so shameful in your comment. 

I reserve the right to sue a credit bureau for infringement of the Equal Credit Reporting Act and I think I can show that you have not used reasonable credit reports. 

Any response to this with anything less then the original application baring my signature is a violation for 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 2021-04-28
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:
XXXX XXXX appears on my XXXX report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state. 

When disputed online with XXXX, they said XXXX XXXX validated debt, but where is this documentation? I have seen nothing. 

I want this removed from my credit history, which is in the 700s.

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 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
XXXX, My Bank of America Mastercard ending in XXXX was marked for a 30 day late for XX/XX/2021. 

I called in, in XXXX, and the delinquent report was going to be removed. All 3 credit bureaus are still showing that it is there. Will you please ask update this, and ensure all three bureaus update my report showing that the XX/XX/2021 payment was current? 

If needed, they can pull the phone call. I called from XXXX, work number, the call was to ( XXXX ) XXXX, the call was on XX/XX/2021 at XXXX XXXX Central Time. It was a total of 20 min and 6 seconds long. It was recorded on their side per the representative. I cant remember the representative 's name I spoke with, but it was a woman. She waived the 30 day late on my credit after asking if we were affected by COVID-19. 

I asked about this with their XXXX customer service, and they said " its the law, '' for the reason they did not fix my credit report. 

I had just gotten off a confusing plan for payments due to COVID-19. So the 30 day issue was not due to not having the money. I wasn't clear when my payment was due. 

So the representative I spoke with was correct. She stated that I was covered under the CARES Act since I was just on their deferred program for COVID-19. 

I've sent a dispute for this with all 3 bureaus, they've declined to fix each one. 

Thank you

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 2023-02-13
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:
In accordance to the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written notices.

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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
I incurred {$640.00} in insufficient funds fees in 2022, {$66.00} in XXXX, and {$230.00} in XXXX. I have called several times and spoken to representatives about getting the fees reversed. I was told by one person that they would submit a request for the reversal of the fees but the reversal was denied. I then called again and was told that I get six reversals a year and that I have already used those six. I have spoken to a " supervisor '' on one occasion and told there were not supervisors available on another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: 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 # : 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 an 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 2018-10-12
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: Information belongs to someone else

Complaint:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip 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 2022-11-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX 15 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to furnish 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.

Company response to consumer: Closed with explanation