BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
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 recently submitted a complaint to XXXX  and Transunion on XX/XX/2019 regarding my XXXX XXXX XXXX - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.

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 2018-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

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 2021-04-03
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: Their investigation did not fix an error on your report

Complaint:
I have provided my information to XXXX they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
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 non-monetary relief
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX  Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XXXX  XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX Cred Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

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 2020-08-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I downloaded the Paypal business invoicing software, and it said that payments take 3-5 days since i'm a new client. I agreed to that since the client wanted to pay via my new paypal invoice that I sent over. The amount was for {$2000.00} in which {$1900.00} should have been available by tomorrow, XXXX. Instead, now the invoicing software changed it to 21 days, and under the same wordage as before. It says that since I am a new customer, that it will take 21 days for the money to clear. I did not agree to them keeping my money for three weeks, and even after the money went on Paypal it would still take time for it to clear to the bank. This is unacceptable and it is not a conspiracy theory that they will be using this money to put into stocks, paypal loans, currencies, gold or silver. This is a serious bait and switch and I am a XXXX XXXX and now there are two hurricanes on the way, and they took all my money and will be likely loaning it out to other people. The actual physical payment was made XXXX. I read the information via my app on my XXXX, but this should not be so drastically different than when I am currently on my paypal invoicing software on a desktop, as I am currently. I do not think this is a coincident in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
State: DC
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 sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.

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 2021-08-12
Company: ERC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; Experian, XXXX, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

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 2020-08-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & T/TSYS with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

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 2018-07-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started my consolation in XX/XX/XXXX, My school loans total XXXX but the payment was XXXX per month so when with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, XXXX to reduce my month payments. I had a full time job but I work for a XXXX  company and had to pay child support. My budget was fixed. Few years into my plan with them they offered to me a discount for non-payment.

So for many years until present time they had a system that pushes me off my plan after a year or so. In the beginning year I would be reminded and helped with the paperwork. Later year, they were NO help. There answer was always to put me on forbearance for six months. Which put more money on my loan and interest too. It was a scam so I could never pay this loan off. In XX/XX/XXXX, I had taken school loan out and pay them off before ten year because it wasn't a scam.

More then that I when qualified for program for working for a XXXX the more difficult they became. I sent them a copy of my income taxes but they didn't due anything to fix my problem. I got paperwork back into them and they did nothing to help fix my payment problem. For over a year they locked me out of web system but wouldn't help unlock to get my loan straighten out. Nobody would help by phone and they would push me back to a locked system. My loan when from XXXX to XXXX because they locked me out of the system. These last two year I steadily pay them XXXX a month because they would help fix my payment plan. They locked me out of payment plan all together and try to false report that I wasn't paying them XXXX a month. They reported on my credit report that I didn't make any payment but I pay XXXX a month.

This company even advertises on the radio and I called them for help from the commercial. They refused to help me telling me that I need to send in my income tax again. I did but no help. There answer always to put the loan on forbearance, which jack the amount of the loan up.

This company uses unfair credit practices. If I had a normal bill month that I could pay then I would. I've had this loan payment for more then 15 years but it only went up even though I paid almost every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX I XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase Bank is reporting a multiple late notations for 2020 and I ask that they be removed. Due to Covid 19 and the unforeseen events I was severely financially impacted. My employer lost significant amounts of work and I was lucky enough to keep my job with hours being cut. I have done my best to remain current but really have had a hard time. I ask that Chase Bank please makes some goodwill adjustments for my 2020 lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there i a hard credit inquiry on XX/XX/21 from Citizen Bank that i did not approve or even apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ID Analytics, 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:
SAGESTREAM LLC CONSUMER OFFICE WONT REMOVE FRAUDLENT ADDRESSES OR FRAUDLENT NAMES OFF MY CREDIT REPORT. I HAVE ALSO SENT THEM A POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information

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 2020-06-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been getting phone calls and bills for about 6-8 months and have reported repeatedly. It seems my social security number was stolen in 2018 around the month of 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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter

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 2018-07-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been contacting Equifax since XX/XX/2020 in regards to not having access to my.equifax account. I have performed a factory reset on my unit thinking the issue was my computer. I have reached out to my internet carrier and the issue is with Equifax. I last spoke with a representative on XX/XX/2020 she assisted me with doing a password reset. I was still not able to login. She then asked for my password so that she can login from her side, this information was given to the rep and she said that she would create a ticket for the blockage and that I would hear back from someone within 3 business days or be able to login to my account. I have not heard back from the company by any form of communication and still have not been able to login. I have information that is reporting incorrectly on my credit report and have to upload supporting documentation and do not have access to my account. Equifax is now demanding that I upgrade to a monthly paying subscription in order to view and make changes on my account. My information was compromised as a result of their data breach and now I can not access myequifax to view my free account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of this inquiry.

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