BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-04-28
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Nelnet, Inc.
State: OH
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:
I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any XXXX party agencies. The transactions and experiences should not be shared with any other companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I used the chase atm on XXXX XXXX XXXX XXXX ca to pull out {$520.00} The atm took the money out my card but never gave me my money Im banking with XXXX also known as ( XXXX XXXX ) nothing has been resolved the merchant witch is chase keeps denying that theres was an error their were people inside the branch while doing this transaction so they seen me out there trying to resolve the issue once they opened I went inside to speak to the manger and they told me since I dont bank with chase there was absolutely nothing they can do so thats why I havent said anything to chase In months they should have atleast video surveillance of my girlfriend her name is XXXX XXXX she was using my card to pull out money for our rent and this had happened we have XXXX kids so this was a major setback we borrowed money and also taxes came so that helped but still thats my whole week paycheck and nothing is being done chase should have the XXXX footage sent to XXXX or reports that they were putting money in the machine that morning but they keep denying the claim without even trying to figure it out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$12000.00} I called this company left a message for someone to call me back they never called and still reporting. 
XXXX XXXXXXXX opened XXXX XXXX, XXXX {$160.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it. 
XXXX XXXX XXXX opened XXXX XXXX, XXXX {$2200.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Advanced Portfolio Group LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX XXXX has been trying to collect a debt, that I am not sure is valid. They have made several calls to me, which I answered most of them. I expressed I need to talk to my attorney about that matter. They sent me a letter for the debt. On Monday XX/XX/2021 this company called my XXXX, who lives in California twice XXXX both at XXXX ) demanding to know an address or other contact information about me. I am still working with my attorney to see if the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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: Account information incorrect

Complaint:
RE : Medical Collection Dispute File # XXXX dated XX/XX/XXXX Dear Sir/ Madam, I refer to TransUnion Credit Report File # XXXX dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number 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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Deleted those account ASAP or I will file a litigation.

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 2017-12-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this 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 2023-01-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is second complaint regarding late payment posting by US BANK. 
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2023. US bank hasn't posted any payments to my account as of XX/XX/2023. I want to escalate this matter as the end of the month is here and I do not want any late payments reported to the credit bureaus. This is a reoccurring issue with US bank not reporting payments timely but yet I receive correspondence requesting payment when the payment is sitting there. I would like for US bank to research further to find the payment and post to my account and credit bureau without penalty.Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: OH
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:
I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes. 

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute this debit and ask for validation 4 times and they keep saying I owe them money {$4500.00}. this is not my debit. I don't know this company and I don't have a sign contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a medical debt on my reports. I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
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:
This is indeed XXXX XXXX. Remove these items from my credit report immediately!!! This is me and I need this fixed.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion did not conduct a non permissible inquiry investigation on my previous complaint. They send me a bill or rights documents. No investigation at all conducted. 

The following are non permissible inquiries which I did not authorize. 

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 XXXXXXXX XX/XX/XXXX I demand for this matter to be investigated otherwise these to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: OH
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 have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-07-10
Company: TCF NATIONAL BANK
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have/had a Home Equity line from Chemical Bank loan number XXXX. I received my Statement from Chemical Bank for XXXX and it showed the total balance due. The loan is current. I called the number on the Statement on XX/XX/XXXX and was told that a letter was sent to me in XXXX informing me that they were closing the loan in XXXX and I should seek alternate financing. I called a mortgage broker I know and he ran a credit report. I had some late payments on my primary mortgage and he told me that until I make 12 consecutive on-time payments no other bank would consider refinancing. 

So I called Chemical Bank back and they referred me to the loan department. I was informed that had I called earlier they could have done something but the loan is closed. I explained that had I gotten their letter I would have contacted them immediately. Furthermore, there was nothing indicating timeout on my monthly statements, no one called me and I did not receive a registered or certified notice. They told me there was nothing they could do and referred me to collections. I called collections and spoke to XXXX XXXX Option 1. XXXX checked to see if there were any options. She called the next day and told me there were none. I could refinance or sell my house. I explained why I couldn't refinance. I told her I am perfectly capable of paying principal and interest for a year until I was eligible to refinance. She told me I couldn't do that and I should sell my house. I said I am a senior citizen recovering from XXXX, on XXXX, and you want me to sell my house because you sent a letter and I didn't get it? She said how could you not have gotten the letter? 

I said I have spoken to three departments, none of which can help me, and I obviously need to speak to someone higher up in the bank. She tried to get her supervisor on the phone but he was not available. She asked if I wanted to file a complaint and I said yes. She told me someone would call me back. It is XX/XX/XXXX and no one has. 

I called collections back the following day, spoke to XXXX and asked for a copy of the letter they claim they sent back in XXXX. I still have not received it. 

I am concerned that they will put my loan in default, ruin my credit, and ensure that I can't refinance, which is what I need to do to solve the problem. I could understand if I wasn't current on my payments, or couldn't pay principal and interest but I am current and offered to pay principal and interest. I can't believe all this grief because I didn't receive a snail mail letter. And finally I am concerned they could foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$4800.00}

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 2023-05-12
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX INC. and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX  without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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