BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2020, Someone representing Bonneville Billing and Collections showed up to my work to serve me papers on a repossessed car. 

I was called down to the lobby over the inter com system. When I got to the lobby, the receptionist looked really uncomfortable and pointed at the person that had shown up. I asked him to go outside with me so that it wouldn't be in front of people I work with. We started walking tword the door and he said that he was there to serve me papers on a dept that was in collections in front of people I work with before we made it to the door.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Paypal Holdings, Inc
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have 4 Gift Cards with a {$50.00} value each that were given to me from a friend as a gift. I tried to use them but they have no money on them. I was told the law says money can not expire or be taken but they were deactivated and drained of the money over time. 
They were from Paypal XXXX  XXXX  and were XXXX XXXX XXXX Gift Cards. I will attach both the original order to my friend from when he bought them a few years ago and my photo copy off all four printed out Gift Cards I called both XXXX XXXX who was nice and tried to look them up but showed no money on them. I called both XXXX XXXX and XXXX XXXX Customer Service which said the same thing. They were sold by Paypal XXXX gifts so nothing surprises me about Paypal and their common issues. I talked to someone there who blamed XXXX XXXX and said to call them which doe not work. Paypal needs to PAY ME. The cards were purchased in 2015 and given to me that year also are are supposed to never expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
XXXX XXXX refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent out many attempts to resolve the situation with Transunion. I have accounts on my report that doesnt belong to me and per the FCRA they are to be removed 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
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2023-04-04
Company: EQUIFAX, INC.
State: CT
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, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Investigation took more than 30 days

Complaint:
I have not recieved a response in regrds to my dispute and I submitted the dispute more than 60 days ago.

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 2019-03-09
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is unlawfully attempting to force me to pay for a tire that I dont have. I have contacted XXXX XXXX and XXXX to resolve this matter. I returned a wheel to XXXX XXXX back in XXXX because its was for a big truck and not my XXXX  and therefore could not be put on my XXXX. XXXX XXXX lied and said the tire was mounted. I explained to them that it did not fit and it was not mounted. XXXX XXXX refused to send a new tire and refused to remove the charges. All they sent was a picture of a damaged tire, this is not the tire I had, my tire was NOT used at all!!! Ive asked XXXX to investigate and all I get is the runaround. They are taking XXXX side and really trying to steal from me and damage my credit. I am being bullied by these companies. They are casually ignoring my requests and are taking advantage of me, the consumer. Now, this unowed amount is on my credit report!!!! I do not have the tire and did not damage it. The tire I received was not used and was sent from me in perfect condition. I do not owe this debt at all. Experian needs to remove the negative reporting 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 2019-11-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check on XX/XX/XXXX. The teller advised that funds would be available on XX/XX/XXXX. It states this on the deposit slip ( attached ). It is now XX/XX/XXXX and Chase advises me that funds may not be available until XX/XX/XXXX. The check was drawn on XXXX XXXX and I have been advised by them that Chase has received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AZ
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 was informed about a account with XXXX XXXX XXXX over 2 months ago. I informed XXXX  XXXX XXXX this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. XXXX has failed to uphold the law I have attached the police record and my move in sheet from my apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: NC
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Account information incorrect

Complaint:
To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,

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 2018-03-05
Company: Experian Information Solutions Inc.
State: TX
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 recently sent a letter to Experian dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to Experian and that their court does not even have a subscription to report to ANY credit agency. I feel that Experian is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in Experian using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.

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 2020-02-27
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:
My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With TransUnion I see the below accounts that are a result of fraud or XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX  XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR 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 2019-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I mailed a copy of my Drivers License, Social Security Card and electric bill to Experian for my free annual credit report I never received it. On XX/XX/XXXX I called Experian and spoke to XXXX in special credit services and after three security questions She said I failed and denied to send my report, she said that I would have to wait five days until the information I sent in was processed. On XX/XX/XXXX I called and spoke to XXXX in special credit services and was told that Experian don't have my personal information at all. XXXX told me to upload the information on there sight when I did they want to charge me {$12.00} for my free annual report. Enclosed I am sending you the information I sent to Experian on XX/XX/XXXX and a copy of my XXXX 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 non-monetary relief
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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:
I received a notification from XXXX, Equifax, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX Accounts had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased the property using NON QM XX/XX/2020 1st payment due XX/XX/2020. During that time frame my XXXX XXXX XXXX   crashed due to Covid-19. I requested a forbearance. It was an argument from the start and I was threatened that I would have to pay it all up from after 3 months. I opted to take my chances. I was in forbearance XXXX, XXXX and XXXX. XX/XX/XXXX I received a call from Shellpoint ( my servicer ) asking about my financial situation and if i need forbearance for XXXX, I said yes I do, they said ok you are extended or XXXX and that they would receive a call every month to extend it if necessary. Received a call from Shellpoint today and they said I am late on my payment, not in forbearance and forbearance was not approved for XXXX and they need bank statements and a hardship letter for approval. Apparently every month I will have to do this. The original point of contact has not responded to any emails, voicemails or phone calls one time in the last 3 months. I called to complain and was recently assigned a new contact but was not given her contact information yet. She called and said she would email me her contact information and the documents needed for extension approval but nothing received as of yet. I read Covid forbearance guidelines and they state a home owner is eligible for 180 days and then another 180 days up to 12 months with no documentation required. Shellpoint says  otherwise. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/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