BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2022-04-29
Company: EQUIFAX, INC.
State: SC
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:
The company is XXXX XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The company is XXXX  XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.

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 2022-04-29
Company: EQUIFAX, 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 creditor 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 and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Credit took over the XXXX XXXX account since it was deliquent. This was then sent to XXXX XXXX XXXX XXXX XXXX. I contacted the law firm in XX/XX/2021 to settle the account. The account was then settled and they informed me they will send a letter to Midland Credit. My account has continued to show up as late/unsettled for the past 6 months. In XX/XX/2021 I called Midland Credit to ask why this is still reporting as unsettled. They stated I needed to call XXXX XXXX XXXX XXXX XXXX. I called the law firm and they reported this account was settled and letter was sent to Midland Credit in XX/XX/2021. I called Midland credit again, numerous times, and was told they would be requesting a letter from XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX again in XXXX XXXX and they are still showing a balance on a settled account. I asked what I needed to do and they asked I call the Law firm. It has been 6 months and Midland credit refuses to update my account. I have asked to speak to managers and have been refused stating they can not assist. Again, this account was settled with XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. Midland credit will not udpate my account so it can reflect on my credit. 

The amount in question is {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Toyota Financials website advertises a {$500.00} rebate for recent college graduates and deferred payment for up to 90 days. 

When I purchased my new XXXX last month, the salesman confirmed the existence of this program in the state of Colorado. However, when I finalized my loan with the finance department, the representative denied the existence of such a program. I meet all of the following criteria outlined on Toyota Financialss website : XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Paypal Holdings, Inc
State: OR
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 opened a Venmo account on XX/XX/2021. On XX/XX/XXXX I transferred {$8300.00} into my Venmo account. On XX/XX/XXXX I initiated a 2-3 business day bank transfer ( Transfer Transaction ID : XXXX ) for {$2800.00} to my bank account ( XXXX XXXX XXXX XXXX ). The {$2800.00} is still not deposited into my bank account, not is it showing in Venmo. Also on XX/XX/XXXX I received an email saying my account had been frozen. It asked me to provide my ID to reactive my account. On XX/XX/XXXX I received a reply from XXXX telling me that my account has been permanently deactivated for violating the user agreement. I asked what I had done to violate the agreement to which he replied " We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems.. ..I apologize that we're no longer able to assist you. '' Also I sent {$3000.00} to my roomate, his account is also frozen. Please help!! I need my money ASAP! Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2017-07-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX and XXXX had an account in collection from Fox collection for {$84.00} which was prior to my bankruptcy. I filed disputes with both credit bureaus. XXXX removed the account as they should. XXXX refuses to remove it, even after notifying them that Fox Collection does n't have and has not even reporting this account to them since my bankruptcy! They will not remove it, I do n't feel I should be forced to either pay it to get it removed or get a lawyer. XXXX has been messing up my credit since my bankruptcy, which I 've tried very hard to improve my credit and what 's crazy is that XXXX  even shows my bankruptcy on my report! I 'm so frustrated, please help me with this. Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-06-14
Company: BARCLAYS BANK DELAWARE
State: CO
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:
The XXXX statement for my XXXX XXXX  Visa card shows a charge to XXXX  on XX/XX/XXXX for {$42.00} which I did not make. I PROMPTLY notified the card Issuer ( BARCLAYS ) that this was a mistaken or fraudulent charge. Barclays placed this transaction in dispute while they investigated. On XX/XX/2021 I received a letter from Barclays Investigation Department which I do not understand. They state that " their investigation is complete and research indicates that the account is valid ''. What does that mean? I never questioned the validity of any account. I only dispute that I made that charge. 

I do not know the status of this transaction, nor do I know how to find out. I have spent hours on the phone trying to get information. They CAN NOT be contacted. I have called every phone number I can find on the letter, on the card, on the statement and on-line, all without result. Very frustrating. Please help. 

Barclays cancelled the old account which ended with the numbers XXXX. They sent me a new card, account 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 2017-07-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently opened up a PayPal account. I received notification shortly after the account was opened saying that my account had been limited because it was associated with other paypal accounts that had negative balances. Upon calling PayPal I informed them that I have never been associated with the accounts that were opened in my name and that I could provide them with documentation to that point. My account limitation was appealed and the appeal was denied stating they had to evidence of identity theft. I asked on numerous occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to send in documentation of the idenity theft. Today, XX/XX/XXXX, I was told by PayPal to go to XXXX to upload my documents. Every time I did that I was prompted to sign into the website and then told me account was restricted and at no point was I given an opportunity to upload my documents. I am uploading the original driver 's license with the home address where I lived when the identity theft first happened, along with letters from the bank that caused the identity theft as well as letters from other creditors that have done their own investigations and found me not liable for these fraudulent accounts. I processed these disputes with the other creditors through this consumer protection portal which can be verified as all correspondence done through the portal is saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my Experian & the same account is listed under numbers XXXX on my XXXX & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both XXXX & Experian. 

I would like all addresses removed except XXXX XXXX XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my XXXX I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my XXXX again its still badly Reporting my credit report. Please delete this account please

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 2022-04-29
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: Personal information incorrect

Complaint:
I have contacted Experian, XXXX and XXXX to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors.

I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form.

2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide the license to collect and report in my state and registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account.

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.

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