BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion removed inquiries then reapplied them back to my credit report.I called them about this matter and they said there was n't any record of this in there system, even though they are reporting these 13 inquiries again.The Transunion employee said there was nothing she could do to help me with this matter.So I decided to file a dispute with you hoping you could help me resolve this matter.Thankyou for any help you can provide.

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 2018-01-10
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: Information belongs to someone else

Complaint:
On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( Equifax and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
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:
After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.

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 2019-07-29
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly calls my job up to 5 times per day before the hours of XXXX and well after. They even call on weekends. They do not say anything, they hang up and/or not leave a message. This is harassment at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I transferred all of my student loans to XXXX in XXXX of last year to hopefully qualify for public service loan forgiveness. I had 5 years of employment verified to count towards loan forgiveness based on my employer certification form. My loans were all transferred and I began making payments to XXXX  in XXXX of last year. At that time, my payment count began. In XXXX, I called to see if my payment count had been completed, it had not, they stated this could take up to 6 months. I called back in XXXX, and they " expedited '' my count, however, told me that counts were now taking up to 9 months. It has been a full calendar year, and my counts are still in process. I have now called back 6 times and been given no indication of when or if this process will be completed. The whole reason I transferred my loans was to hopefully qualify for XXXX and it looks like myfedloans has no intention of allowing me to do this while making money off the interest accruing on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2018-11-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

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 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Agreed to a settlement that was applied to Capital One Bank USA account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Investigation took more than 30 days

Complaint:
I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, Equifax, and XXXX ) asking them to investigate and verify two negative collections accounts ( XXXXXXXX XXXX XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2019-01-31
Company: Bread Financial Holdings, Inc.
State: IN
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:
On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX  had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX  as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX My father leased a XXXX XXXX 2014 from Chase Auto Finance. I have received at least XXXX collection calls started off explaining they were calling with the intent to collect a debt. I explained to them more than once that I am not my father, and they do not have the right to attempt to collect from me. They have called multiple times.. 

In addition to attempting to collect from ME, they are also refusing to validate the debt to my father. My father has requested countless time to see proof of an extra {$3600.00} in repairs that Chase Auto Finance is claiming they paid. Chase is refusing to send proof that they paid this price for the repair. The damages to the vehicle were nowhere near {$3600.00}. My father has requested a copy of the invoices paid by Chase adding up to {$3600.00}. They have repeatedly told my father they have no obligation to validate the debt properly, and instead, are deciding to send a bill issued by Chase in response to all attempts to have proof of repair costs delivered. No proof of {$3600.00} in damages have been shown. 

My father has requested a written letter with a due date on it, showing when the payments are due by. Chase Auto Finance told my father " XX/XX/XXXX '' " XX/XX/XXXX '' and " XX/XX/XXXX '' all on the same day. Nobody at Chase is being held accountable. We are attempting to work WITH chase to come to a fair resolution. I believe Chase has falsified the damage report and associated costs, and they're intimidating us by refusing to give us a date to pay by or allow us to make payment arrangements. 

I plan to sue Chase Auto Finance on behalf of my father in the event that proof of damages are not shown, or the excessive damages reduced by XXXX {$800.00}. Chase is engaging in unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I posted a XXXX 'XXXX XXXX advertisement for concert tickets and a potential vendor called me saying he would transfer the tickets over to me, as soon as I provided him {$70.00} for the first ticket via PayPal. He stayed on the line, but eventually hung up and never sent over the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: SYNCHRONY FINANCIAL
State: IL
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 found a negative account on my credit report from Paypal synchrony bank. I explained to them that this is not my account. I had identity theft and I asked for something with a physical signature showing that I opened this account. Despite them not being able to provide the proof, having the wrong name and address they still refuse to remove this from my credit file and I have submitted this to all three credit reporting agencies with no improvement. Per fair credit reporting regulations, they are required to report accurate information And they are not but still will not remove this from my credit file. Then they keep changing the status on the act and it keeps affecting 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 2020-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
All the bankruptcies that I filed they were prose [ pro se ] the bankruptcies were not gone all the way through and its really affecting my credit and my credit score, please I '' m asking to remove all the bankruptcies on my report. 
Bankruptcy reference # XXXX Bankruptcy reference # XXXX Bankruptcy reference # XXXX and Bankruptcy reference # XXXX, thank you. 
I can receive email when the situation has been resolved, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the XXXX XXXX, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$4100.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/2017
XXXX
Wrong company report debt -never mine
HIPPA Violation
Medical Bill

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 2017-09-24
Company: EQUIFAX, INC.
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 submitted a police report to Equifax for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a 2017 date are Fraudulent and should be removed according to the FCRA guidelines

Company response to consumer: Closed with explanation