BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, its been a year and I have not receive response from Transunion stating that the debt is mine. Can you please remove debt off 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 explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: AL
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:
The following accounts are not mine : 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 2018-02-09
Company: EQUIFAX, INC.
State: IN
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 submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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: Personal information incorrect

Complaint:
The name, address, social, and all other instruments have been wrong as they have been documented.

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 2023-09-28
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit collection services calls me at random times, even masking their number as a phone number from a local area code so I can pick up, only to hang up immediately as I answer the phone. This is a tactic to try and bait me into calling them back and I assume to contract with them because they know I do not have a contract with them. I've never received communication or had oral communication of any kind with this company and they parked this alleged debt onto my consumer report and by law there is a strict no parking rule. They ignored this rule and parked the alleged debt anyway causing me harm to my livelihood and general mode of living. There are strict guidelines according to the FDCPA and Regulation F that a debt collector must follow and it is to my knowledge that they haven't followed those strict laws. Furthermore they listed progressive as the original creditor on my consumer report and I know for a fact that information is incorrect. I do not have any contractual obligation to credit collection services and I know they can not produce such evidence of an obligation because they have no PROOF of claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Medical debt amount is not mine, collection agency claims it falls under mine. Claims my insurance company paid partial but never had the insurance company they are claiming paid. Tried taking to collecting agency, they are using unfair practices to try and collect a debt that's not mine. They keep asking for proof but how do I provide proof when it's not mine, I have nothing to provide them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted a debt validation letter over a month ago no response pass the 30 days the creditor is to respond from my letter no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which has caused me significant inconvenience and financial loss. I believe that this limitation was a mistake, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

I would like to clarify that I have not violated any PayPal policies, and I have always conducted my business transactions in compliance with your terms and conditions. I was taken aback when I received a notification informing me of the permanent limitation on my account. I have reviewed your policies and can not identify any reason why my account should have been limited. 

I value the convenience and security that PayPal provides to its customers, and I have been a loyal user of the platform for several years. I am confident that my account was limited by mistake, and I would like to ask PayPal to give me the opportunity to present my case and provide any necessary information to resolve this issue. 

I kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to cooperate and provide any additional information or documentation that may be required to resolve this issue. My PayPal email address is XXXX, and I hope to receive a positive response from your team soon. 

Thank you for your attention and understanding in this matter. 

Sincerely, [ Your name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent inquiries, I did not authorize these inquiries, XXXX XXXX - XXXX XXXX, 2021 XXXX XXXX - XXXX XXXX, 2021 XXXXl XXXX - XX/XX/ 2021 2021

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 2023-09-28
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2023 True Accord Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form for the charged-off account associated with the following information : Creditor 's Name : XXXX Account Number : XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 

I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 

Please forward the completed form to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If you have any questions or require further clarification regarding this request, I can be reached at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving the 1099-C form and addressing any necessary tax-related obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
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. 

Experian accounts Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT XXXX Date : XX/XX/XXXX Account Name : XXXX BANK Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXXK Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX 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 a 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 XXXX 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 non-monetary relief
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX XXXX and that in incorrect.

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 2023-07-20
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 do not recognize these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXransunion 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NJ
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 the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-03-07
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 have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by me.

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 2023-09-28
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a venmo account and a ex boyfriend who did some shady transactions- he sent me money and asked me to send back to him. When I realized that he was doing something probably illegal, I contacted Venmo to report him and provided his name and contact information. Venmo responded by deactivating my account. I have tried to find out why but they will not respond and have told me to not contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-02-09
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 explanation
Consumer complaint received 2022-01-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Since the Navient settlement has been announced I have called to get information because I should qualify. I have a predatory Tuition Answer Loan that I have struggled for years to pay. I asked them if I would be apart of the cancellation settlement and they said they dont know. I asked so I still need to make payments since I am currently sick with XXXX and they said yes Ive used my XXXX  time. This is exactly how they have treated me and others over the years and Im sick of them. I need them to ensure my loans are a part of this cancellation Ive not been able to buy a home or get married because of these loans holding me back & now Im sick and cant pay and they dont want to help and they dont care. They just want to steal your money even knowing these loans were predatory. Please help.

Company response to consumer: Closed with explanation