BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2021-01-11
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recovery Services continues to send me notices that I owe a balance to XXXX XXXX XXXX. It is still on my credit report. 

I have settled this account as of XX/XX/2020. I have a settlement letter that I have sent to Portfolio Recovery. They refuse to recognize my settlement and continue to harass me about paying this debt. They refuse to remove it as a collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I went into a financial hardship with Comenity Bank/XXXX in XXXX of XXXX that placed a late payment of 30 days, 60 days, starting in XXXX  30  days, XXXX 60 days, XXXX  60 days. XXXX  60 days, XXXX  30 days, then XXXX  30 days. I called this company and explained my situation that I was unable to pay my payment due to a financial hardship and they placed me in a hardship program paying {$40.00} per month without interest for a year. I have done that and also completed the hardship program and was placed back into payment status paying on time payments every month afterwards. In XXXX of XXXX I began to start regular payments. I began to seek Goodwill Adjustments to the late payments that was placed on my account with constant refusal to look into reasons. When I came off the Hardship program I was transferred to another financial company called XXXX XXXX  who is handling all payments at this time with continued on time payments with this company. I sent them a Good Will letter thinking that I can get an adjustment and they stated that if they did not place the late payments they would not be removed, I would have talk with Comenity Bank. So, I sent them another Goodwill letter about the late payments and how my paying this bill has been exceptionally good with no late payments just trying to pay this bill down. I received a letter from them stating they are unable to make any adjustments to my account. All I'm wanting is a chance to have a fresh start at making improvements on my credit so that I may be able to purchase a home in the upcoming year, and to show them that I can be financial dependable in my finances along with a chance to fix my credit ratings. Comenity Bank shows no consideration to their current or pass customers as to forgiveness for hardships and considering the blemishes these late payments has caused even after the consumer go an extra mile in satisfying a road to Goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: V and H Portfolio
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company calls and tries to collect a debt that is not owed. Very rude and pressing trying to get me to pay something they can not verify. I've received no information and have never heard of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is my second attempted to rectify my credit profile with Transunion and as a result, they again lowered my score by fifteen points with absolutely no justification. 
This is the second time Transunion lowered my credit score in retaliation.

This has to stop and they need to be held accountable.

I'm beginning to think this is not just an act of retaliation, but discrimination as well.

1. I've submitted two photo documents showing the XX/XX/2020, credit score. 
The same day the complaints were filed, and : 2. The drop in credit score on XX/XX/2020.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my experian report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

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 2018-02-17
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Associated Credit Services first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. I return all they sent to me was statements. However they sent me nothing that validates that this debt is mine, no SSN, no Date of Birth. I want the debt deleted ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Hello, There is an account showing as an authorized user. I am not an authorized user on this account. This is invalid & inaccurate. I demand this account to be removed from the credit report so only accurate and valid information is showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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:
XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : DEPT OF EDUCATION/XXXX   Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF  EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a closed car loan with XXXX XXXX, and transunion credit bureau has reopened this account and decreased my credit score. There has been no explanation why this account was reopened.

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 2021-02-08
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
To whom it may concern, On Sunday XX/XX/2021 I used Paypal service to transfer {$2000.00} to my sister in law. Before completing the transfer, Paypal asked if this was a purchase payment or transfer to friends and family. It said no charge for friends and family. So I proceeded to make the transfer. Next thing I know they charged a 2.90 % fee or {$57.00}. This is unfair and deceptive practice. How can they state there is no fee previously and then charge one? You had to choose between friends and family or payment purchase/business before going to the next step. Clearly this is misleading and false advertising of their services. 
Please force Paypal to disclose applicable fees responsibly and clearly. 
Thank you for looking into this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Square Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$4500.00} from Square Capital and was required to make 3 installment payments. I made all three payments and have proof. Square will not acknowledge the final payment. I have sent them proof multiple times of the payments. They call, email and harass me attempting to collect a debt that is already paid. The loan has been paid in full since XX/XX/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 2020-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following is a short summary from a complaint that was just filed today with the Florida Attorney Generals Office, I also filled out a complaint with the Consumer Financial Protection Bureau and have made contact with an Attorney specializing in FCRA for Florida. 

I have numerous emails between XXXX XXXX representative : XXXX XXXX XXXX and Bankruptcy Specialist XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Fax : XXXX XXXX in which I have disputed this information 3 times with Experian and each time the report comes back not changed. 

Mr. XXXX has emailed me the letter in which my account was stated as XXXX balance and closed, settled for less than the agreed amount. When I submitted that letter to Experian they reported to me that the only way they can change the report is if XXXX XXXX  advises them too. It seems crazy to me that is the case when I have the emailed letter stating the facts. 

This egregious and intentional continued false reporting on my credit by XXXX XXXX along with the unwillingness to respond to emails and phone calls in reference to my issues can no longer be tolerated. As a disable United States XXXX XXXX, I am saddened that XXXX XXXX insists on a business practice based on purposely reporting incorrect information on credit reports and the negligent actions when questioned on the issues. 

I am happy that there is a recourse for me to work with in achieving a positive result moving forward. I am happy that I have tried numerous times to solve this at the lowest level and that XXXX XXXX 's continued unwillingness to cooperate just makes everyone else that is not involved jobs that much easier to bring me a satisfactory resolution. 

It truly did not need to be this way and I fully intended on working this out. With that said I can not continue to be ignored and falsely reported on by XXXX XXXX and have now been forced to take a different approach. 

I am willing to send additional information in the form of emails and letters along with my most recent credit report from Experian to show that the incorrect data still appears. 

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 2022-08-06
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:
I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

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 2022-10-04
Company: DISCOVER BANK
State: FL
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:
In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. 

It went through again for XXXX so I froze the account and ordered a new credit card. 

The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. 

In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. 

I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. 

BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. 

At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. 

In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. 

At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Once again, the minute I put my Student loan into Forbearance, XXXX reports me as XXXX days late and kills my credit. If you call and ask them, theyll tell you this is standard practice. However, the FCC clearly has a Fair Credit Reporting Act. The last late payment I see before my present forbearance was XXXX of 2017. Is that what they are reporting? Its just not right or ethical that they can do this as a standard practice just because someone is struggling and has to put their loan into forbearance. I would rather just pay them, but sometimes things happen in life.

Company response to consumer: Closed with explanation