BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I sent Letters to XXXX, XXXXx, and Transunion. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

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 2023-01-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions

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 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.

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 2020-10-19
Company: EQUIFAX, INC.
State: AZ
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 XXXX and Equifax are still reporting two old XXXX XXXX  accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after seven years. On XX/XX/XXXX it was officially seven years so these accounts should be deleted. These are XXXX XXXX  account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from Equifax since seven years has passed on XX/XX/XXXX. XXXX and XXXX have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with Equifax. I hate dealing with Equifax they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX and XXXX but not for Equifax? Equifax is not following the law and reporting incorrectly. When I dispiute with Equifax they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is 7 years old as as of XX/XX/XXXX. So is it that Equifax thinks they can do whatever they want and report different? Why there always problems with Equifax. I don't have same problems with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw a collection account appear on my report for all 3 bureaus, furnished by XXXX XXXX XXXX, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

XXXX 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 2020-10-19
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
Navy Federal and XXXX  are still reporting XXXX old Navy Federal accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after XXXX years. On XX/XX/XXXX it was officially XXXX years so these accounts should be deleted. These are Navy Federal account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from XXXX since XXXX years has passed on XX/XX/XXXX. XXXX and XXXX  have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with XXXX. I hate dealing with XXXX they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX  and XXXX  but not for XXXX? XXXX is not following the law and reporting incorrectly. When I dispiute with XXXX they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is XXXX XXXX XXXX as as of XX/XX/XXXX. So is it that XXXX  thinks they can do whatever they want and report different? Why there always problems with XXXX I don't have same problems with XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
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 a loan with XXXX, XXXX XXXX XXXX XXXX, and XXXXPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their  part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
Credit Inquiry not authorized by me Hard Inquiry Equifax Mtg Inquiry from XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I pulled my daily credit report with Equifax to review my credit and noticed that Equifax had placed a one year fraud alert on my credit file for no reason and without my consent or knowledge. It shows that the fraud alert was initiated on XX/XX/XXXX. I have been having issues with Equifax improperly placed initial and extended fraud alerts on my credit file without my knowledge or consent for the past few months now. It is an absolute nightmare trying to get them removed once they have been placed. The fraud alert than sets off an alert to other credit reporting agencies who than places a fraud alert on those credit files. When you call Equifax to have the fraud alert removed it is nearly impossible to even understand what the CSR is saying because your called is routed to a company outside of the United States. I am furious that Equifax placed this fraud alert on my credit file without any known cause or reason without my consent or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
we have an account since XXXX with best buy, never being an issue.The account being in good standing since than and until XXXX ( 13 years ) XXXX find out : the account unexpected and suddenly was close by Best buy with no warning/notification or reason/ before closing an account in good standing since XXXX XXXX until XXXX XXXX XXXX XXXX find out in Best Buy store when trying to make a purchase & the system give errors.A store asociate call the main number Best Buy, that " the acount was close, suposely for " Inactivites ''. i said i dont understand never was late, nobody give anywarning that the acount will be close for " inactivites ''. Ask the store asociate to call back because maybe was a mistake, as I made a last purchase in XXXX. The second call to main Best Buy number phone operator say she can not see the reason why was close, to connect me to someone else. for unknow reason the phone was disconect ( me being in the Best BUy store talking from they phone line. Calling back ( 3time ) a person said that the acount was close for " sever delinquency '' from XXXX ''. i said the acount since XXXX never was a problem and is in good standing, evrything is payed, teling me to apply again and haresting me if i remember in the contact saying that Best Buy have the right to close the account if in XXXX showing up " serious delinquency '' i said no was any warning any notification of what you doing.i dont remember is long time ago, but to send me the contract where is saying this and the XXXX no have nothing to do with best buy acount in good standing.him refuse and told me to give me someone else over the phone. someone else saying the same asking to send the contract refuse, asking to restore the account refuse.Told him that i will make an complaint to XXXX and FTC, him don`t care.There was NOissues with the payments, the payment was law of XXXX $ XXXX, no was any financial treats to them, no legitimate reason to close the account after 13 years.I dont know what they doing when close the account, what lying they put on XXXX. don`t speak very well english. Best Buy perversely closing the acount without any legitimate reason, as the account was in good standing for 13 years, knowing that if i reapply again i will be rejected. they don`t have any legitimate reason to close and account in good standing, just because someone have a bad credit, creating more problem to this person credit score, by closing the acount. what i am disputing is the " unlawfully closing the 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 2017-06-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
At the beginning of the year, I signed up for an introductory offer with PayPal which was a 6 months of free financing. According to the offer, I would not incur any finance charges until after XX/XX/XXXX which is when the offer would end. I made some purchases and mailed in my payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PayPal stating that they had not received payment so I explained to them that I had mailed the check. I called my bank, XXXX XXXX to verify if they had received the check and they had not yet received it. XXXX XXXX did ; however, offer to call PayPal on my behalf if needed to verify that the money was in my account and could be transferred immediately. I have an excellent credit score of XXXX and pay my bills on time. I then contacted PayPal and explained to them what happened ; however, they did not seem to care. I paid the entire bill in the amount of {$1900.00} over the phone with the customer service representative on XX/XX/XXXX. PayPal then informed me that they would not be able to waive the {$230.00} interest fee and that I would have to send a letter to PayPayl Correspondence Team to see if they would be willing to waive the fee. I mailed a letter to them on XX/XX/XXXX. I received an email from PayPal that my account was being reviewed and that they would get back to me. PayPay refunded my account for the late fee of {$25.00} but would not refund the interest of {$230.00}. On XX/XX/XXXX, I contacted PayPal and spoke with a Supervisor named  XXXX, not sure if her name is spelled correctly ; however, the conversation was recorded so you could ask for a copy of the recording. I told XXXX what happened and asked her to waive the interest fee ; however, she said that she would not be able to do that for me. I told her if PayPal would have contacted me on the date it was due and informed me that they had not received payment, I could have taken care of it immediately. I ended up paying the interest fee today in the amount of {$230.00} so PayPal would not be able to continue to charge me interest. I am hopeful that you could look into the issue and I am requesting a refund for the interest paid in the amount of {$230.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: LendingPoint Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: United PanAm Financial Corp.
State: DE
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:
Company falsely stated that I paid on time for 2 months on a inactive account. These 2 false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights, Account name : Diversified members # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX # XXXX, has violated my rights, Account name XXXX XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, has violated my rights, Account name : XXXX XXXXXXXX # 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 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 2020-12-04
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX has made a derogatory claim against me for not paying the sum of {$260.00} to XXXX  XXXX. I contacted them by telephone on XX/XX/2020 and attempted to explain that I have never received a writing from their company to provide me with an opportunity to verify the accuracy of their allegations, that I am not indebted to XXXX  XXXX, I am not indebted to NTL Recovery and they have damaged my credit standing by falsely alleging that I am delinquent on a debt which I am not obligated to pay. 

They told me that I can either pay the debt or sue them. I asked for a supervisor. They kept me on hold for about twenty minutes, then disconnected the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently pulled my full credit report and found items that don't relate to anything I've done.

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 2023-04-14
Company: EQUIFAX, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email today, XX/XX/2023, from Transworld Systems incXXXX about a debt from XXXX for {$380.00}. I have never owed an account with XXXX and never received bills for said account. No notice of debt before today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXX  would like to be updated on my bank balance.  XXXX  said : " Your bank balance is n't always fresh. We do all we can to keep it up to date, but your bank has been slacking on sending over your info. ''

Company response to consumer: Closed with explanation