BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 accounts XXXX XXXX, and XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America ; what name the banker who witness me sign application to open up account? If you do not have witness, I am request you deleted this 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 2018-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-12-11
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: Investigation took more than 30 days

Complaint:
Review has taken over 30 days and no results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 used the XXXX link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by XXXX I did not authorize 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
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
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:
The inaccurate unverified alleged negative report from XXXX is in violation of 15 USC 1681i ( 5 ), I am very concerned at the discrepancies on my credit report I am a protected consumer that only wants true and accurate reporting, a statement of an alleged debt is NOT debt validation.

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 2018-12-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Lost of debit card went to a fraud transaction from {$2400.00} from my checking account, several calls and visits to different branches where done over the last few weeks, no result or any help at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: GA
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 advised Equifax on several occasions that I was never late on any of my open accounts in XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Account status incorrect

Complaint:
I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUD. The account was brought current in XXXX and I made my first mortgage payment again XXXX. XXXX XXXX reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.

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 2021-12-08
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX had XXXX services with an account number XXXX when they updated their system it generated into my name and gave a new account number XXXX. I was placed into a XXXX facility in XX/XX/XXXX and have not been in the house since that day. My spouse expired in XX/XX/XXXX. They have sent this to a collection agency which is showing on my credit report as a collection. I have sent in all required documents as requested weeks ago called today for an update and they are still demanding payment. These bills are for XXXX, XXXX, XXXX and for my XXXX XXXX. They refuse to remove collection or to correct this account as it is not mine but being reported on my credit report. I filed a complaint on here with ID # XXXX it was not approved to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2022 I was notified by XXXX XXXX that my loans were being transferred to XXXX. Now my loans are duplicated on my Experian report. I have attempted to get them to remove the duplication multiple times since XX/XX/2022, but they deny the dispute every time, despite evidence from both My XXXX and XXXX. This doubling of my loan has resulted in higher interest rates for auto loans and has been extremely frustrating. 
I am attaching the notice from XXXX XXXX that states my loan will be transferred and the " Welcome Letter '' from 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 2021-06-08
Company: EQUIFAX, INC.
State: MI
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:
I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a XXXX states that you have to do interviews with my family associates and neighbors. XXXX did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : 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 2018-10-19
Company: Panhandle-Plains Student Finance Corporation
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: Account status incorrect

Complaint:
I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18
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: Account information incorrect

Complaint:
Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my Transunion credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.

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 2019-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called to inquire on rates and my options with XXXX XXXX XXXX XXXX and without my knowledge, they did a hard inquiry on my credit report. I never authorized it nor was I informed that they would be doing an inquiry on me. I got a text from XXXX XXXX informing me that I had had a hard inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Account information incorrect

Complaint:
I want to request a credit report due to I have information on my credit report that is fraud. 
I have not received a free credit report that I requested from the credit bureau that I have written for with no return as of date and its been over 2 months.

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 2022-10-19
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea what this company is, I have asked them to send whatever it is through the mail and was met with a very rude and disrespectful answer. I have asked them to stop contacting me, and they just use a different phone number. This has been going on for 6 months to a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED  XXXX XXXX XXXX XXXX OF EDXXXX XXXX DP OF EDUC XXXX USDOEXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
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 with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XX/XX/-February2020. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my XXXX semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MS
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:
The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 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 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.

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 2021-01-26
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal has held funds illegally under the electronic funds transfer Act. PayPal has not fully disclosed terms and conditions. PayPal account where electronic funds are held illegally is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: SYNCHRONY FINANCIAL
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is in reference to Paypal.com and using paypal credit. I ordered a dress from a very disguised XXXX website ( XXXX ) on XX/XX/XXXX paying {$74.00}, realized my mistake and canceled the order on XX/XX/XXXX, per their website within 24 hours and prior to shipping the product. 

I contacted them on the first time XX/XX/XXXX to request a refund, and XXXX times making the same request since. I filed a dispute with Paypal on XX/XX/XXXX, stating I could not communicate with the seller and I wanted my payment refunded. Paypal gave the seller an opportunity to send me the product ( a dress ) and closed my case on XX/XX/XXXX. The product the seller has sent is a cheap necklace, so I opened a new dispute that the item is not as described on XX/XX/XXXX. 

Paypal has given me 9 days to send this product back to XXXX. I can not ship to XXXX in the middle of a pandemic, they will not communicate with me and are refusing to refund my money when I had clearly shown the product was not as described and is not desired. I've done everything in my power to immediately stop this transaction, and Paypal 's advertisement of buy protection is a false advertisement. Paypals purchase protection is quoted as follows from their website : " When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund.

To qualify for PayPal Purchase Protection : Use PayPal to complete your payment.

Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute. 
Keep your PayPal account in good standing.

If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges. '' This product more than qualifies.1. I tried to cancel the order. 2. I've sent numerous emails to the seller as well as contacted them via their contact us the website. 3. I am willing to ship this invalid product back to anywhere in the U.S. that I can actually ship it to.

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 monetary relief