BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: DC
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. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Hello, so I am currently wanting to get this resolved. I have uploaded letters on the Equifax dispute center stating I have fraudulent inquiries on my report and that I demand these inquiries deleted from credit report. 
Inquiries I don't recognize : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
On multiple occasions I have disputed an account with Experian, XXXX, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet Experian and XXXX  refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with Experian and XXXX  on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.

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 2019-09-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am having difficulty in being able to afford my student loan payments as well as have enough money to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2021-12-09
Company: National Credit Systems,Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 

I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. 

A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. 

I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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 have had " XXXX XXXX XXXX  XXXX '' run inquires on credit reports without my consent. I asked them to please stop. They are constantly pulling my credit report. 

My name is XXXX XXXX, I'm not sure why its showing 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 2021-12-09
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Team Recovery continues to call harassing me using obscene and profane language and threatening I owe an alleged debt. I ask how did they received my personal and private information because they do not have my written consent. This alleged debt was discharged and paid for they are violating my consumer rights and pursuant 15 usc 1692e ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: FL
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 ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
Since XX/XX/2021 I have made multiple calls and visits to Chase Bank regarding my legal name change. Since my name was changed almost 2 years ago their credit journey report has been incorrect. It shows a false negative report, does not reflect an accurate credit score, does not reflect accurate credit accounts, and has caused a denial for a card due to these errors. I have requested a call back from management per their protocols on 9 separate occasions including several times while on the phone with one of their branch managers and have never received a follow up regarding their mistakes. They originally blamed experian yet I conferenced a call with an experian employee who assured my information was all accurate and up to date and Chase was still unable to correct any of the errors on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the company made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiry was made. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I noticed unauthorized charges from my PayPal account and reported to PayPal right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, PayPal sent me 17 emails telling me I got double credits for the disputes I filed and put {$530.00} into my PayPal balance negatively.

I called PayPal right away upon seeing these emails and charges placed by PayPal and asking for getting the issue resolved. None of my 10 calls get the problem settled. 

Now I start receiving debt collection calls and mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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:
After many disputes with Equifax, the following accounts resolution was listed as verified. 
The accounts that I have disputed are all reporting false information which in return is damaging my credit. I am asking that the following accounts be removed due to reporting false and inaccurate information that are in violation. 

XXXX XXXX Acct # XXXX Payment history shows account as OK XX/XX/XXXX ; Who is made that payment? 
Payment history is also showing 120 days late starting XX/XX/XXXX to XX/XX/XXXX ; this is not even possible ( 120 Days Late * 3 Months= 360 days ) How can I be 120 Days Late for 20 months? 

XXXX XXXX Acct # XXXX Payment history show payments are being made ; Who is making these payment? This account is a charged off account XXXX Acct # XXXX This is a Charged Off Account. Who is making payments? 

XXXX Acct # XXXX This is a Charged Off Account. Who is making these payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it show 120 Days Late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. Who is making these payments? 
How can I be 120 Days XXXX XX/XX/XXXX and XX/XX/XXXX. 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
This collection agency is reporting to all three bureaus ( XXXX XXXX XXXX XXXX XXXX on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never 30/60/90 days late on ( XXXX, XXXX, XXXX, XXXX OF XXXX on this ( JPMCB AUTO ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30/60/90 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  ) XXXX XXXX XXXX. Below you will find the attached copy of the 30/60/90 days late and the creditors contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: SYNCHRONY FINANCIAL
State: LA
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:
My car was broken into with my purse and my kids information in it. And I was checking my credit score to try to purchase something and to find out I have all kind of false information on my report that I have no knowledge of.

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