BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
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: Information belongs to someone else

Complaint:
inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : 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 2019-10-31
Company: ALLY FINANCIAL 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:
The taggings and remarks are inaccurate. All I am asking if a valid report because it affects my scores badly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
The items in question are as follows : ACCOUNTS ACCEPTANCE NOW XXXX never late XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX not mine

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 2020-11-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX  show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. 

I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. 

My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. 

I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. 

I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. 

I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.Q. Data international they have not tried to contact me. I saw this on my credit and it was a for a apartment that my ex girlfriend was staying at. Its from about 2 years ago and the balance is up to XXXX . I would like this not put on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2018-05-14
Company: TD BANK US HOLDING COMPANY
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 is missing that should be on the report

Complaint:
I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/TD Auto Finance and XXXX XXXX  to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not  included on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account onXX/XX/XXXX for no reason, giving me the excuse that I went against their user policy. I surely did not after going through their user policy and seeing that they are lying to me. After myself emailing them many times, they will not help me with getting it back up and going. I have been to the financial Ombudsman but all they could do was contact Paypal on my behalf, but Paypal ignored them and said their decision was final. They are holding my money for 180 days XXXX XXXXXXXX to be exact. I have not been able to get help from them for for 2 month. I run a small business of which I am the only person running it, and this is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon reviewing my credit profile, I noticed an unauthorized opened account SYNCB/Ashley home store Account # XXXX address XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX under my name & credit report without my consent or knowledge. This account is fraud It shows it was opened XX/XX/2022 with a balance of {$4100.00}. I called the issuer to the number above to report this as fraud, once they asked me for my personal information My address & phone number didn't match what they had on file. At this point they refused to continue to discuss the account in question with me. The agent said they will send a letter to the original address the account was opened & declined to transfer to the fraud department & hung up the phone. To the best of my knowledge the agent was not an American speaking agent it was an XXXX English-speaking agent that didn't understand the purpose of my call which it was to report this account as fraud. Upon checking my XXXX credit report this account dropped my XXXX score from XXXX to XXXX dropping by XXXX points & increasing my utilization. This account is fraud.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: NY
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:
I had signed up for Experian in XXXX and was being charged {$5.00} a month. I checked by account recently and over the last two months, I had been automatically upgrade to an Experian IdentityWorks Plus account without being notified before. My bank account was subsequently charged roughly {$20.00} per month. 

I have never signed up for Experian IdentityWorks Plus and never knew about it. On my " My Membership '' page on the Experian website, it still shows my price as $ XXXX/month. When I spoke to call center representative, they said that my Experian page was probably not updated ( meaning that there is a discrepancy between what I'm being told and what I've paid over the last two months ). Furthermore, I have been a member since XXXX, paying {$5.00} per month, but she said I had a promotional offer that ended in XX/XX/XXXX. However, on my account, it says I had a promotional offer for {$5.00} off for 3 months only. So, there is also another discrepancy there. 

In short, they have automatically signed me up for a more expensive service without notifying me. They only refunded my one month of the Experian IdentityWorks Plus though they charged me for two and said they could not refund the other month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit reports I noticed fraudulent activity and contacted Comenity capital bank/zale they refused to investigate and remove this fraudulent account as they don't belong to me XXXX XXXX XXXX XXXX.I have been trying to get this fraudulent account removed for the last 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the  date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. 
I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. 

I feel that it is not appropriate that I disputed the information and XXXX is stating that they received sufficient information, which has not been shared with me. Where is a contract showing that I opened an account with them? My signature or any personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2023-03-06
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: Oliver Adjustment Co.
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:
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. 
Convergent Account # XXXX XXXXXXXX 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 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 XXXXXXXX XXXX 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.

Company response to consumer: Closed with explanation