BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Paypal Holdings, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
After checking my credit report online via XXXX XXXX and XXXX. I would to dispute my PayPal and Bill Me Later closed account. In 2011, I purchased a mini XXXX laptop for myself and an XXXX laptop for a friend. The mini laptop was paid off and the second laptop could only reach five payments. The account is noted as an Revolving account on Paypal.  The account is paid satisfactorily and I would like to have the account removed from credit history as well as an increase in my credit score for XXXX and XXXX. Also, note that the following laptops while moving were lost/ stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: M&T BANK CORPORATION
State: DE
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:
Dear CFPB, I am writing to express my concern over the lack of proper handling of personal information at XXXX XXXX XXXX XXXX , M & T Bank XXXX XXXXXXXX XXXX  & XXXX XXXX XXXX XXXXXXXX XXXX. Thus, The Credit Bureaus have failed to uphold their duty of the Fair Reporting Act. 

I have been a customer at XXXX XXXX for many years and was never informed about their mixing of business and personal bank accounts and allowed to lock both accounts. I wish to know how this happened and how it is going to be handled moving forward. 

XXXX XXXX had failed to inform me about a charge off about to happen which hurt my credit and must be notified before that action takes place. 

M & T Bank in XXXX XXXX DE, has not used operating agreement to pull two credit scores and never submitted our XXXX. A previous Bank Branch Manager at the XXXX XXXX, DE, Lied about the process hindering our growth. 

True access capital in XXXX, DE had wasted three month of our valuable time and we had stopped growth because of this. There non transparency had made the business shift gears in the wrong direction They miss more documents that are paid up and are losing grip of growing and sacrificing personal credit for the business. We are afraid of the banks breaking rules and taking funds illegally. If I can remain anonymous as to who made the inquiry to protect my business especially XXXX XXXX, much appreciated. 

Please look at 12 USC 1431 at how businesses are entitled to some amount. Thank you! 

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 2023-06-03
Company: EQUIFAX, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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:
I have the XX/XX/XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-30
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:
TransUnion, XXXX and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.

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 2018-10-15
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MI
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving calls and texts message from a company that i don't know, how they have my information is unknown and I would like it to stop.

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 2021-01-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On or before XX/XX/XXXX, I checked my consumer credit report and noticed the credit limit on two of my credit cards had been significant decreased. When I called the credit card issuer, they said it was reduced because of a recent credit pull. One account with Synchrony Bank XXXX XXXX XXXX XXXX XXXX had a credit limit of {$4500.00} and was reduced down to {$1700.00}. Another Synchrony Bank XXXX XXXX XXXX account had a credit limit of {$2600.00} and was reduced down to {$1000.00}. 
This has drastically affected my FICO scores as I had spent months, even years, maintaining a lower balance to make sure by credit usage percentage was 30 % or below. Now it is reflecting a 95 % credit usage ratio which in turn has dropped by score by 40+ points. 
I did not receive a letter about the changes via the mail until this week. The letter was dated on XX/XX/XXXX. According to said letter, my XXXX credit score on XXXX was XXXX. My XXXX  score has never been XXXX. Other reasons for their decision was too many revolving accounts with high balances '' which is also false. " Too few accounts paid as agreed '' which would only be student loan accounts over 3 years ago. These accounts would have also been the same reporting when I was approved for the accounts. 
If my credit limit was to be decreased, the creditors should have given me a written notification BEFORE the account and allowed me time to pay the balances down so that I may not be adversely affected by the changes. The Credit Card Act of 2009 requires creditor to give me 45 days notice of any major changes. This bank performed a soft credit pull therefore I was not even aware of the credit review and did not send me written notification until after XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Lincoln Educational Services Corporation
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: Account information incorrect

Complaint:
Lincoln Technical Institute continues to report my payments as late although they are being paid prior to the 30 day delinquency period. They are reporting my payments for XX/XX/2020 and XX/XX/2020 as 30 days late when in fact they were not 30 days late! The payment date for both payments is the XXXX of each month however I was told by my account manager XXXX XXXX that if I pay prior to the last day of the month, no negative report will be made. I paid XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX both prior to 30 days after my due date. I called them and they advised me to dispute it. This is a disservice because they are reporting these payments as 30 days late and refusing to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Credit Control LLC of XXXX MO. The letter states that " per our conversation, you have agreed to pay $ XXXX  monthly ''. I NEVER talked with XXXX XXXX, the author of the letter, nor anybody from the company and I NEVER agreed to make payments.

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 2023-05-30
Company: Experian Information Solutions 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:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-07-16
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:
XXXX reporter a debt that is not mine. I never lived at the property reported during the time reported

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 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i have been complaining about this debt collector for years and have no success. they have defamed by character by reporting false information on my credit report. They have threatened to sue me and is unable to prove the validity of the alleged debt. 

i am unable to provide for my family because i have been denied credit due to false information reported by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AUTOMOTIVE CREDIT CORPORATION
State: NJ
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

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 2022-08-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
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:
I disputed a charge for hotel reservation XX/XX/XXXX. The hotel is closed and there is now way to use the reservation. On XX/XX/XXXX I received a email letter from Chase claiming that the charge was valid and I had to pay. I called to explain to them that the hotel was closed and there is now way to use it ( I told them this the 1st time also ). They informed me I had to fax or mail in a statement claiming this and they directed me to a Chase Branch that could do this for me so I did. I went to the branch on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX. I spoke with the manager and explained the situation to her, she did the fax and gave me a confirmation. I called Chase on XX/XX/XXXX @ XXXX to check on the status and now they are claiming they did not receive, I explained to them I had proof it was received and that it was a CHase branch that sent it in. XXXX who claimed to be a manager told me sorry but I would need to re fax, I asked what if you dont get it again he replied saying then you keep faxing it until we do. I feel this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
when taking advantage of a low interest balance transfer offer i was charged higher than the advertised interest rate. I was told that the interest was being charged for new purchases even though I was paying new purchases off before the payment due date. After 2 months and {$190.00} and {$88.00} of interest and 3 calls to to customer service to get clarification i paid off the balance transfer in full so counting the transfer fee of {$500.00} I am out {$900.00} of fees and interest with getting the benefit that was advertised to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
I am a victim of identity theft. I have several fraudulent accounts on my credit report that doesn't belong to me including XXXX and several collection accounts.

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