BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for 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 explanation
Consumer complaint received 2019-07-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-10-23
Company: EQUIFAX, INC.
State: NV
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:
THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I need help to solve this problem that affects me with CHASE itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.

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 2022-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have problems they stole my identity and they opened a bank account with capital one 360 leaving a negative balance of {$2600.00} this account was fraudulently opened a few years ago and i tried to get capital one to help me and they didn't this affects me because i tried to request a product of themselves and they don't approve of me because of this negative account in their system. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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. 

List of Fraudulent Inquiries : 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 2019-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call from Portfolio Recovery on a XX/XX/2019 Sunday at XXXX XXXX. From my understanding they are not permitted to call on a Sunday past XXXX XXXX my local time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion is currently furnishing unauthorized inquiries on my credit report without my knowledge or written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle using a TD Auto Finance Loan. Their website is the primary bill pay mechanism. When you go to set up autopay the ONLY OPTION is to pay the exact monthly payment amount. You can not set up an autopay schedule to contribute MORE than the monthly minimum payment. This is CLEARLY SET UP TO MAXIMIZE THE COMPANY 'S PROFIT. I tried calling TD Auto Finance to set up an autopay amount greater than my monthly minimum payment which would benefit me, the consumer, by reducing the principal and thereby the total interest owed. Further, the website is confusing for most users as it tries to give you the option of applying any excess payment to next month 's minimum payment rather than the principal. TD Auto Finance is preying on unsophisticated borrowers and creating artificial barriers to reducing overall costs to people financing vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing TRANSUNION to block this account from the credit report of 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Alabama Department of Human Resources is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever. 
XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted Mr. Cooper ( rightpath ) 10 times as of today for explanation of balance she owes. Was granted Forbearance XX/XX/XXXX and again XX/XX/XXXX. Tried to gather payoff amount XX/XX/XXXX. Also, submitted in writing request to " XXXX '' No response and no one we spoke to including a manager could provide a breakdown for the balance now owed.

-Date of last payment balance owed {$40000.00}. 
-Breakdown of Payoff Balance {$58000.00} Including itemized breakdown of Principle Adjustments, Lender Paid Adjustments, NON interest balance. 

Attached are : Call contact notes with each rep. 
Payment History Letter of Complaint Copy of last written request sent Our payment breakdown notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Well I was notified the credit card was closed thru XXXX. I went to the App for the credit card and it said the account was closed. I never closed it and didn't want it closed. I called the company of the credit card thins morning and was informed that they closed it cause my credit score dropped for last few months and that they could not keep the account open cause I was a credit risk. I was always paying the bill and mostly paying double the minimum each month and was in good standing over the last year I had the card. I feel as that was deceptive cause of them closing only cause of my credit score. That tells me they were pulling my credit monthly if the saw it dropped each of the last few months. 

The credit card company is Synchrony Bank. The card was thru Pepboys but issued by Synchrony Bank.

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 2020-10-27
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Saturday, XX/XX/20 I listed a large comic book lot for sale on XXXX to be purchased by the highest bidder. The winning bid was placed and the item was paid for on Tuesday, XX/XX/20. I then shipped the books through XXXX ( I'm a XXXX  store owner ) using not only a tracking number but also a required signature. The package was confirmed as being delivered and signed for on Friday, XX/XX/20. The buyer even posted a positive feedback on the transaction in my XXXX profile. I was then noitifed by Paypal that they are holding my payment received from the buyer, even though they had already taken out there fee for the transaction AND the buyer had already received the items. They first stated they could not verify that the package was delivered. I referred them to my XXXX tracking number and signature receipt and they refused to accept that as proof. I tried to call the numbers but they do not take phone calls. I was forced to communicate through a series of slow texts which took hours to get a response. When I would get a response as to why I can not have my money I am entitled to I would receive a different set of " goose chase '' directions to do. The first time they said they could not verify my email address so I gave them additional proof. Then they stated they could not see the tracking number, which again I pointed it out ( it was clearly visible ) then they stated they needed me to reach back out to the buyer and get them to contact Paypal so say they received the package, which I did. Then they stated that because the address I shipped the package to was different than the address the buyer listed in his paypal account, which was a PO Box . I again explained as a XXXX  Store Owner I do not ship to PO Boxes, only street addresses as PO Boxes do not have protection for items sold which is why shipping companies will to ship to PO Boxes. I further explained to them that no where in Paypal 's policies does it state I had to do all of these extra things in order to get my money I am owed that they are refusing to release. It states in their policy that once an item is verified as being received through the tracking number in the listing, the money will be released. I did just that and they are still refusing. It is XXXX dollars they are refusing to give me which is a lot of money and they no longer accept phone calls from anyone so I have no where to go with this. It is way too much money to walk away from. I did my part as shipping business owner and shipped the item out with a tracking number and signature which is verifiable. The fact that they are refusing to accept that as valid proof of delivery and will refuse to release my money turns this issue into a fraud situation. I really need some help as I have no where else to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Grant & Weber
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:
XXXX XXXX - XXXX - XXXX This account may be hurting your score Account Details Account Name XXXX XXXX XXXX XXXX Account Opened XXXX Account Status Derogatory Last Payment -- Balance {$6200.00} Limit -- Account Closed XXXX Mon Payment -- Worst Status Unknown XXXX  Individual Account Number XXXX Late Count -- Open Closed 30 60 90 Days Late -- Date Reported XXXX Account Type Installment Account Late Dates Has this on my credit report. They have failed to provide proof of this fraud since XXXX since I noticed it. They are frauding the amounts & dates to fraudulently keep on my credit report to gain funds. I've never been with XXXX. Even as those dates I've always had XXXX  & submitted documents and paid a credit repair to remove it. When I did XXXX changed the dates to recent from a XXXX. Alot of things are blanked out and don't make sense. When investigated they closed account and still showing only report. I called and asked for documents and they failed to provide any. None at all. This is not mine & they know it. I copied & pasted there report above showing what their doing. It's fraud that these businesses adds funds like XXXX and grants & webber whom has not provided documentation either but amounts keep changing and there's no supporting proof of these and are 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 explanation