BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.

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 2019-10-23
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: Information belongs to someone else

Complaint:
The items listed arent mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX  PA., XXXX, sent me a letter stating that I owe XXXX {$2300.00} for overpaid XXXX. This is not true. XXXX sent me a letter stating that I have no financial liability to them when I was laid off. I sent this document to them. Their letter was dated XX/XX/2022, 3 years after I left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.

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 2018-11-27
Company: Experian Information Solutions 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:
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

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 2021-02-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. I have attached proof of my identity below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: MicroBilt / PRBC (formerly CL Verify)
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently became aware of the PRBC / MicrobiltConnect credit reporting agency, and attempted to request my credit report and issue a freeze. 

Accessing my credit report required me to create an account, which automatically subscribed me to credit offers that I did not want. 

Contrary to the FCRA and the 2018 Public Law 115174, MicrobiltConnect has not established a website where a consumer may establish a security freeze ( Title III, Sec 301, 6-A-i ). This was confirmed both by support and by phone call ( see attached audio recording ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account witout my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called Real Time Solutions is a Debt collection company that was sold a debt by XXXX  XXXX XXXX. I had issues with XXXX XXXX XXXX regarding the validity of the debt, date opened, payment issues that they didn't rectify along with predatory practices of non-disclosed fees, and failure to process payments. They were paid the original loan amount but due to interest, hidden fees, and poor processing practices, along with virtually no consistency regarding the management of the account. Reall Time solutions simply changes the debt date whenever I attempt to file a dispute with a credit bureau. This way the debt will never be removed from my report and will always be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
Onemain I'm so sorry with all the complaints It's Just I have disputed this information with the Credit agencies so many times But they keep claiming that you verified the account as correct. But I beg the diff this is why so many disputes Per the FCRA a charge off should not report missed Payments XXXX Missed payment Please delete this account ASAP Due to fcra violation late payment for XXXX / XXXX / XXXX / XXXX of XXXX also XX/XX/XXXX This CAN NOT Report on the consumer credit files please delete from all three reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX, and the person couldnt find me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''.

-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business 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 2019-06-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
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:
Dear CFPB I asked your department to take action On XXXX   credit reporting agency for Fradudelent activy on One 's credit report. OneMain account XXXX has been closed Since XX/XX/XXXX But XXXX went into my credit file and changed Information on this account and made it as a charge off account. I just find this to be so hard and disturbing knowing that a credit reporting agency could do something like this. the FCRA is for fair credit reporting but this act of fraud that XXXX is committing is unexceptable this is a act of Forgery and something needs to be done about this I caught them red handed for these people are making billions of dollars selling consumer 's information CFPB see File for factual Proof that this tradeline was Tampered with because XXXX acted in a Hurry if you take Note they acted so quickly they forgot to add the payment calendar in Most Fraud situation someone always leave a paper Trail and that exactly what XXXX did. I added OneMain to this as well But I know they had Nothing to do with this! due to the fact the other two agencies this account is reporting correctly.But i do want Onemain to let me  know the status of this account XXXX is reporting as a charge off. It's XXXX Doing I know this for a fact. Onemain I would asked of you to please go in and delete this erroneous account information on XXXX report XXXX has no credibility and or No trust from me! Obemain please let myself and CFPB KNOW HOW THIS ACCOUNT SHOULD BE REPORTING I KNOW IT WAS CLOSED IN XXXX not sure how in the XXXX this account came into Play now it's XXXX Again this is Not Onemains Fault what so ever! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will  prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
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:
Citi credit card company is reporting that my account is closed. This information is false because my credit card account is still open, but they are reporting to the credit bureaus that the account is closed. It is negatively reflecting on my credit. This is the second complaint about this company I am reporting. Both times they have falsely reported information about my account to the credit bureaus.

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 2019-09-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019 I began receiving numerous calls multiple times per day. On XX/XX/2019, I returned a call and was taunted by a representative by the name of XXXX who threatened " we will call you everyday 8 times a day until your debt is settled ''. On XX/XX/2019, I mailed out cease and desist letters to both the Federal and Private loans departments of Navient requesting for Navient to " cease and desist communication with me, as well as my family and friends in relation to this and all other alleged debts ''. However they have continued to violate my rights under the federal debt collection laws by contacting my family and friends despite supervisor XXXX XXXX confirming receipt of cease and desist correspondences on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: NY
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:
Equifax has a block that wont let any consumers have access to my credit score. They have my information misinformed to where I cant access my credit report online since XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The statements does not match of my payments. I am paying more what I own and I called Capital one at : XXXX but hey have no clue what government agency regulates them. The customer service can't provide an accurate statements and they stoop sending me by regular mail teh statements. My account is : XXXX. 

My email address is : XXXX phone : XXXX Please email me and I summit my statements. 

Best regards

Company response to consumer: Closed with explanation