BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to XXXX with my 4 social showing on credit report and they haven't done anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 have over the past 9 months been trying to get inquires and trying to get incorrect XXXX XXXX and XXXX XXXX information of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX XXXX XXXX  several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX XXXX pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the XXXX XXXX and all the information names and jobs get taken off immediately.

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 2020-07-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX, I had opened a credit card with XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in XXXX XXXX, it is over in XXXX  and where i currently live in XXXX. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, Equifax and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: NC
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:
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it inXX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: PA
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 received an email from XXXX XXXX XXXX confirming that i signed up for their services and purchased XXXX somehwere on the east coast at the XXXX XXXX XXXX store. My identity was stolen, XXXX XXXX XXXX ran twice a hard pull using my social security. I'm curious did XXXX XXXX XXXX perform an identity check before using social security number to run the report. A couple weeks later I received a call from XXXX XXXX XXXX   fraud department saying that they put a fraud alert on " my '' account and said that there will be no hit to my credit score. Well, I checked my credit report and because of they pulled it twice with the difference in 2 days, my credit score went significantly down. I'm just curious, how in the world, XXXX XXXX XXXX did phones financing at the actual location without checking identity. Now I have to report stolen identity and dispute hard pulls and wait for the results because of their poor activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There are several unauthorized transactions from Paypal which include amounts of XXXX and XXXX on XX/XX/XXXX to a XXXX, a third transaction in the amount of XXXX on XX/XX/XXXX to an XXXX XXXX. These were were all reported to Paypal, nothing provided to me showing what these charges are for, Paypal reps were unable to find any information as to what product/service these items are for. A rep I spoke with yesterday was unable to find out what product or service the payment, XXXX, is for. He even stated it is suspicious there is no product listed on transactions. I do not know the person ( s ) whom funds were sent to and did not receive anything from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: Colony Brands, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX was an account that I included in my Chapter XXXX bankruptcy in 2016. Since that time, on several occasions, they have been illegally reporting that I owe a balance on my XXXX credit report. This is not only a violation of the automatic stay, but has hurt my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect data on my credit report with Equifax. alot of information is not accurate and is hindering me from approvals. please update all listed items to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Compass Recovery Group, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 Compass recovery group called my girlfriend, and have previously sent collection attempts to an address I have not lived at for over XXXX  years. The collector announced himself as working for Compass recovery group and pestered her for information as to my contact information during her work day. A clear violation of the law, as well as unethical and harassing tactic. 

According to the reviews online about this particular company I am not the only one that they have done this to, despite the tactics illegality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions 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:
XXXX handles Perkins Loans for XXXX University. I have not been a student since XX/XX/XXXX years. I only had sub and unsub direct loans but there is a perkins loan is not mine. Additionally, I received a letter stating that all my institutional loans were forgiven. I reached out to XXXX, Experian and the Department of ED to get the fraudulent entry removed from my account. When I spoke to XXXX they sent me Disclosure paperwork and a Master promissory note that wasn't signed by me and they all had different dates. The dates were also different that what was in NSLD database. I reached out to Experian and gave them all the information regarding and, I see that this loan was reported on my credit report XXXX of this year.After several calls between myself, experian, XXXX, XXXX, and the department, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to Experian, when I dispute this, they correct information instead of just accepting the dispute. And finally, this loan could not have been mime because i filed for bankruptcy in XXXX and awarded full discharge!! If this was mine, it would have been included ( perkins loans can be included ). This loan is fraudulent and I'm out of options

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 2017-09-21
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX has called me several times over the years regarding a student loan ; initially I thought the loan was mine. As of late I am questioning the validity and merit of this loan as me being the true applicant. I am unable to speak about the loan with customer service because 1. The date of birth associated with the account is not MY date of birth, so I can never get passed their security questions. 

2. They asked me to send a photo ID showing my date of birth, which I did XXXX XXXX/XXXX/XXXX ) and they STILL refuse to speak with me about the loan. The date of birth on my drivers license is not the date of birth on their account. 

I do not believe this is my loan and have filed a complaint with credit bureau as well but have not been able to get any closure due to the fact that I do not know the persons date of birth on this loan. Please advise. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/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 2019-01-10
Company: EQUIFAX, INC.
State: MD
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:
I obtained my Equifax credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Equifax sent a response to my investigation stating that they verified the bankruptcy with a third party company by the name of XXXX XXXX, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. I contacted the US Bankruptcy court and they said that they do not verify information with the credit bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX and Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
USAA offered a balance transfer of 1.9 APR on all transfers. I obliged and requested a XXXX transfer to be paid to a XXXX XXXX XXXX XXXX which is serviced by a company called XXXX XXXX. 

XXXX XXXX, upon receiving the check, incorrectly routed the check to XXXX ( I am not a customer of theirs ), who services XXXX XXXX lines of credit. 

This check was issued on XX/XX/XXXX by XXXX XXXX ( who I am not a customer of but obviously has some affiliation with USAA ) on my behalf for the XXXX amount ( I have proof of the check and that it was cashed by XXXX ) I then spend the next 3 months arguing with all parties above on how to get the balance transfer back from XXXX to XXXX while all of them claim to have no wrongdoings or mistakes in the process. After 3 months of arguing with customer service reps I wrote an email to the CEO of XXXX. 

That led to a phone call by their executive response team who has been able to apparently track the money down and they are now reissuing the funds back to XXXX XXXX. 

But now I have no affiliation with XXXX XXXX and no way of getting that money back from them. 

USAA claims to have no affiliation with XXXX XXXX DESPITE using a check from XXXX XXXX as proof they carried out the balance transfer. 

They are not helping me to reclaim the money from XXXX XXXX now. 

If that isnt a textbook definition of fraud I dont know what is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
The company name Chase Bank. 
Amount {$4000.00} Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls multiple times a day ranging in times from XXXX to 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 2019-08-20
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: Information belongs to someone else

Complaint:
I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX   This is not my account nor have I opened An account with them. Please have this removed

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2020-04-11
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, my external account for fund transfers named " XXXX XXXX '' was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account. 

On XX/XX/2020, both of my external accounts names " XXXX XXXX   '' and " XXXX XXXX   joint '' are suspended again. I am again on hold for 30 minutes but no resolution in sight.

Company response to consumer: Closed with explanation