BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-04
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 fraud alerts or security freezes

Complaint:
The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX weeks and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights

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 2023-01-04
Company: EQUIFAX, INC.
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:
The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX XXXX and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
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:
I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is 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 2023-07-28
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FirstPoint Coll  repo Today I had a collection showing in my credit report. A medical biller that my insurance paid. I called and verified that this bill was paid. I contacted the collection agency FIrst Point Coll Repo and the person was very agressive and XXXX and rude. He was asking me for money to have it deleted it from my account, ( money to him ) not the actual debt since the debt had been paid. He wanted money and was yelling at me and then started making very XXXX comments and after I hang up he was texting me on my phone ( he texted from XXXX dif numbers ) since I blocked him, he sent many texts messages threading me and making XXXX comments about my accent. Luckily I was able to record part of the phone call and I have text messages showing how aggressive and disrespectful he was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 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 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 2017-07-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.

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 2023-01-11
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: Was not notified of investigation status or results

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 2018-11-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXXXXXX XXXX calls my phone multiple times a day. Calls from different numbers multiple times a day in attempt to collect debt. leaves messages, but continues to call after messages have been left. Leaves intimidating messages. Calls from private or blocked numbers. does not state where they are calling from in messages left. Calls my mother repeatedly, and they already have my address and phone number to locate me. They disclosed to my mother my debt with the company and i have NEVER given them permission to contact her, nor is she a co-signer on the card or affiliated with the account in any way. Planning to pay what i can tomorrow when i get paid, but do not appreciate the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. 

I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor 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 records 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. 
XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Equifax, XXXX, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX XXXX Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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: Their investigation did not fix an error on your report

Complaint:
I have consistently asked Trans Union, XXXX, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. Trans Union has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my XXXX  credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX credit report as well as Equifax has removed XXXX/XXXX  from my Equifax Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on Equifax Credit report and XXXX Credit Report there is incorrect payment history on my XXXX  Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys XXXX  and Equifax need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is the only credit Bureau reporting an incorrect address on my credit report.my address is XXXX XXXX XXXX. I don't live at & have never lived at XXXX XXXX XXXX. That is not my address.

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 2018-11-01
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX University XXXX XXXX XXXX ( XXXX ) alumni and was there from XXXX-XXXX. I am having what I think amounts to a financial crisis and could use your assistance. 

I received all federal loans for my XXXX education, as recommended by XXXX, never with any private loans. 

In XXXX-XXXX, I received federal student loans through the FFEL program. In XXXX and XXXX I received " direct '' federal students loans. 

My plan since graduation from XXXX in XXXX has been public service loan forgiveness. Everything has been by the book. I have been in income based repayment since then, working at qualified employers ( I have submitted several certification of employment forms to the PSLF folks and have been on track ), and never missed a payment. Thus I was expecting my current ~ {$280000.00} in XXXX   school debt to be forgiven in approximately XXXX. 

I was on the phone with PSLF folks earlier today, just checking in that all was on track, and was told that the FFEL loans from XXXX and XXXX did not qualify for PSLF. This is ~ {$140000.00}. I was told that I could consolidate the FFEL loans to direct loans, but that I would then have to make 120 monthly payments all over. This would mean the last 7 years of IBR payments ( with interest accruing ) were a complete waist and I would have to start over. Thus {$140000.00} in loans I thought were going away in XXXX would be growing and not eligible for PSLF until XXXX at the earliest. This is a huge deal financially. 

I feel I have been completely XXXX financially. At no point was I made aware that FFEL loans were ineligible, not from XXXX, Navient ( my current loan servicer for the FFEL loans ) ; not until I called 7 years later and checked. If I had known to consolidate to direct loans in XXXX I would have done so, but now I have been making payments on the FFEL loans that are ineligible for PSLF. 7 years lost, which is probably multiple {$10000.00} 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out {$350.00} payday loan with a {$400.00} payback on XX/XX/2023, due XX/XX/XXXX,. Asked for emergency extension to my next ( second ) social security direct deposit, vi recently retired due to a XXXX. XXXX, XXXX at XXXX XXXX XXXX XXXX advance America, told me she has to put through the check she has on XX/XX/XXXX, but my SS direct deposit comes on XX/XX/2023. She will trigger my banks overdraft or NSF fees, I barely can pay for XXXX & XXXX, UNTIL XX/XX/XXXX. My bank balance checking is {$2.00} only. 

Will gladly arrange automatic {$400.00} payment for XX/XX/XXXX. Else health and wellness will suffer. 

My name XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Continental Finance Company, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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:
During the week of XX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus Experian, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

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