BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
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: Account information incorrect

Complaint:
I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX.I was in shock because I was never late in my payments.The information is incorrect.

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 2017-12-19
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Nelnet, Inc.
State: PR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Various attempts to clarify that there is no debt where made. The company stated and wrote various communications regarding this matter. The last one was made on XX/XX/2020 ; on this communication they where demanding full payment, while on the initial communication they stated they where not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
. XXXX XXXX Date of inquiry XX/XX/2020

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 2019-06-06
Company: PLAZA HOME MORTGAGE, INC.
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I chose to switch lenders due to the mortgage broker attempting to lock me into a mortgage with an inflated rate at the last minute. The mortgage broker was working with Plaza Home Mortgage so I reached out to them for instructions on how to begin the process of transferring the appraisal that I paid for to my new lender. 

I sent an e-mail on XX/XX/19 with a list of items that the new lender needed for the appraisal transfer. After a week, I reached out for a status and was told that it was still being processed and that there was no time frame for when I could expect the documents. The first time I called about this, I was told this would be processed in 24-48 hours. 

The items requested were the appraisal, xml, ssr and invoice. While I'm not clear on what an ssr or xml, I assume that they're items that can be electronically transferred like the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Diversified Consultants, Inc.
State: IL
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 tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: T.S. Holdings
State: IL
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:
IQ DATA INTERNATIONAL INC/ [ collection company ] /XXXX XXXX [ 7k plus ] : Credit Bureaus : XXXX XXXX I've removed this from my credit, on 2 Separate occasions, with lawyers working on my behalf. I have supporting documents, Which proves the 'JUDGE ', indicated the debt is false. THEIR 'LAWYERS ' WERE PRESENT AND AGREED TO THESE TERMS! 
[ The document signed and initialed XXXX dollars ' owed ] This have prevented me, from providing my family with Shelter. Please help me with this occurring FALSE 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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of fraud. XXXX set up service at a location I lived at 14 years ago. They apparently did not ask for proof of identity. So today I find myself with problems because XXXX allowed me to become a victim of fraud. 

On or around XX/XX/XXXX, I received an email notice regarding a change in my credit report. I found that fraud has occurred and a derogatory item placed on my credit report.. After hours and hours and a few days, I discovered the charge was for XXXX. The only way I have discovered the facts of this case was actually through XXXX XXXX who placed this on my credit report on behalf of XXXX. ( XXXX ) and this is what I learned through XXXX XXXX AFTER filing a fraud complaint with XXXX as well as all 3 credit bureaus. 

I had a previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx. I moved from there, to XXXX XXXX, TX and I have not lived in XXXX since XXXX. That is currently 14 years ago.Someone moved into my previous address and connected XXXX in my name. The date of the fraud occurrence was XX/XX/XXXX. As I stated, I have not lived in XXXX since XXXX. XXXX set this up for someone without any proof of identity, and, they set it up under my name. I fault XXXX for inadequate procedures requiring proof of identification. 

Today, per instructions from XXXX, I contacted the police department in XXXX to file notice of fraud. I am also waiting for a fraud packet from XXXX. 

TransUnion has now notified me that my claim was denied and found to be valid. This is wrong. It is absolutely NOT valid as it is NOT my debt. It has taken me hours and hours to investigate this issue on my own. Had it not been for the info I received from XXXX XXXX, I would still be in the total dark over this issue. 

My credit score has fallen 43 point due to this action. This is not my debt and it is absolutely wrong to expect me to pay {$690.00} on behalf of a thief who has stolen my identity. Again, I state that I was not living there in XXXX, having moved in XXXX. I keep a close eye on my credit. I know who and what I owe at all times. 

The right outcome is to remove this from my credit report. This is the right thing to do. 

I remain hopeful that someone somewhere will help me with the correct resolution. This is not my debt. 

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 explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX FI XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
TODAYS DATE:XX/XX/XXXXXXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DPEDXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-07-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not sure what the debt is for, but HUNTER WARFIELD INC, has not attempted to contact me at all before reporting it to my credit. I have not received a letter, phone call, or email. I attempted to call them but it went to voicemail. I have no idea what this is about and they should have contacted me before negatively affecting my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: SUN LOAN COMPANY INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously submitted a complaint about this issue, that Sun Loan keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if XXXX was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, Sun Loan that should be removed and was closed prior, made an update and a comment and XXXX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, XXXX never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.

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 2020-09-02
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXConsumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a dispute with XXXX, XXXX, and XXXX  for Portfolio Recovery Acct # XXXX ( Docket no XXXX ). My dispute was Portfolio Recovery is reporting a " higher amount '' for the original charged off amount and the amount currently owed. Portfolio is " rounding '' the amounts to the next dollar. This is not an accurate reporting of what is actually owed. Portfolio " verified as accurate '' and only " updated '' the " date of balance '' for the disputes and sent me multiple duplicate correspondence letters ( ref # XXXX, ref # XXXX & ref # XXXX ) which show I was correct about the exact money amount that should be reporting. ( documents uploaded ). The original sold amount was {$500.00} not {$500.00} as being reported to the Credit Reporting Agencies. They also sent a balance owed correspondence showing {$500.00}, not {$510.00} as being reported to the Credit Reporting Agencies. ( documents uploaded ). The dispute should have changed the " amounts '' instead of being " verified as accurate ''. The credit reporting agencies noted a remark saying " item disputed. Consumer disagrees. Meets FCRA requirements. '' Verifying an 'inaccurate " amount does NOT meet FCRA requirements. 
Upon further investigation of this account, I found correspondence from the Trial Court of Massachusetts, ( documents uploaded ) where the Attorney for Portfolio Recovery entered a ACKNOWLEDGEMENT OF SATISFACTION OF JUDGEMENT for this account on XX/XX/XXXX. They notated this account was FULLY SATISFIED. This means the account has actually been misreporting to the Credit Reporting Agencies and should have reflected a {$0.00} balance since XX/XX/XXXX. I filed another dispute for this account, with the 3 CRA 'S on XX/XX/XXXX to upload the additional information from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
JPMorgan Chase Bank has failed to return my {$8400.00} credit balance when I mistakenly paid approximately {$8600.00} rather than {$86.00}. When I called them on XXXX-XXXX-19, they said my money would be returned to me within 7 to 10 days. However, when I called today, XXXX-XXXX-19, they still have not returned my overpayment, i.e., the {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was alerted by XXXX XXXX that a PayPal /sync credit card was opened in my name ( using a previous last name ) I did not open this account. I called the company and they told me it was a previous last name and a different address but wouldn't tell me that information. They did close the account but it has dropped my credit score XXXX  points! I disputed with XXXX and XXXX and both sent me emails saying that the account had been verified!!!!! Ugh! Obviously someone has my info and I don't know how to fight this. Today I received another notice but the name of the new card is not listed on my credit report yet. I am terrified they are opening any account they can? Please help 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 non-monetary relief
Consumer complaint received 2019-06-06
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXXXXXX  ; XXXX XXXX XXXXXXXX ; XXXX   XXXX & XXXX XXXXXXXX ; XXXX/XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy 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 2020-09-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation