BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX  XXXX... .Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$4400.00} XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: TN
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:
No I'm gon na need all of the non beneficial and negative Mark 's on my credit report to be taken down immediately because because they are violating my right under USC 15 1681 B. I have a right to privacy and I didn't consent to these nor did I say it was okay to put out my inquiries they also need to be 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 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2018-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly asked for the full, un-broken chain of title with all Assignments and Substitution of Trustee recorded documents yet only receive rob-signed Assignment with the undocumented papers from closing. I was told I could call XXXX XXXX XXXX/SPS in XXXX XXXX XXXX UT to set up a viewing of the original wet-ink Deed and Note together along with the full Chain of Title that they had in their possession in order to qualify them to collect/foreclose and/or modify my loan. When I called I was told that they would first mail me the documents then when asked when I could set up an appointment to view in person I was told that he would get back with me once he found them ... Haven't heard back yet they still have a XX/XX/2019 sale date pending while they " look for my documents ''. I have requested that while they do their researching if they would cancel this sale date immediately, but they have not to date. 
I am very concerned that this company has no idea who the owner of my loan is as they said it was XXXX but no ID number was attached to my loan to verify, then it was XXXX XXXX, who is currently being shut down/sued as all the others who has said they owned this loan, and since no one can produce any facts and just bully me with sale dates I am very concerned that they will illegally foreclose without any rights to my loan at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/2021 I signed up for XXXX XXXX rewards only and a credit application was filed. I did not approve this and a hard inquiry was done. I did not recieve a letter of approval or denial and I didn't recieve a credit card. I called XXXX XXXX and they said there's no record of an application. I called TransUnion and they told me they needed a letter from XXXX saying there's no record. I called XXXX and they said it was sent but TransUnion still hasn't removed it from my report. Please help.

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 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cards to old to be on credit score asked for original documents I was denied I know debt is over 7 years old and NCA brought it back in with 2 cards from same year!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
My attached Equifax credit report of XX/XX/XXXX for my XXXX XXXX XXXX account # XXXX has inaccurate and conflicting data which has existed for over 5 months despite my diligent repeated efforts to delete my account and/or accurately report data. My credit report inaccurately reports the Date Closed XX/XX/XXXX while at the same time accurately reports under XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Obviously, conflicting data of when the account was closed needs to be corrected as warned by CFPB regarding Facially False Data required safeguards. I feel like I am being ignored and taken advantage of regarding my disputes in willful violation of the FCRA. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 120 days so they should be promptly deleted. I am distressed that you have included the inaccurate and conflicting information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The closure date needs to be reported accurately reported without conflicts otherwise deleted. You need to do a proper re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Made a payment on the date of Friday XXXX XXXX XXXXXXXX XXXX. My loan payment was due on XX/XX/2023 they put in Monday and made my car loan payment late. I made my payment two days before it was due. In summary the monthly statement doesn't include the processing time as to how the payment will be entered into the payment system.

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 2021-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account back in XXXX, they did not give me any reason, I was costumer with them since XXXX when I was an international student. I went to the branch and tried to open a new account with them, they told me they would not be able to open any account nor any business relationship with me. I really enjoyed banking with them, and looking forward to solve the misunderstanding but they would not tell me the reason and that is difficult for me.

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 2021-12-11
Company: Experian Information Solutions Inc.
State: OK
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 submitted a complaint to Experian via cfpb complaint portal and via affidavit certified mail. The company is using stall tactics to avoid resolving consumer rights violations.

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 2023-08-14
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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-14
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has put a collection of debt on my credit report yet the original debtor has the account on my credit reprot as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 2022-09-21
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: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

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 2023-03-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have an {$85000.00} private student loan from Navient, but at the of the application in XXXX, it was called Sallie Mae. The loan had started out at around {$40000.00} and has grown so much. I have not received any communication about my loan being canceled from Navient 's big lawsuit in XXXX. My main issue is that I have a co-signer and need to remove them but Navient makes it very difficult. From XXXX, I made 12 on-time payments of about {$1000.00}. This was one of the requirements to remove my co-signer from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code. 

XXXX has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: NV
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  Account # XXXX has violated my Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACCOUNT : XXXX XXXX XXXX XXXX Account number:XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( 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 2022-09-21
Company: Experian Information Solutions 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:
I am filing this complaint because there are inaccuracies with Experian 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: Paypal Holdings, Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was selling items on XXXX and my sales increased in a few weeks which I deemed is because of the holidays. I allowed the customers to pay me through Paypal so they could feel secured, however, when the sales start going over a thousand dollars Paypal freezes my account. Additionally, I also purchased some items from XXXX  using my Paypal credit card but the Store did not have the products and cancel the order. But Paypal did not return my funds back to my account in the amount of XXXX. Paypal freezes customer accounts so they can artificially inflate the amount of cash reserves that they have under pooled bank accounts that are under Paypals name. From previous class actions law suit against Paypal, it is known that Paypal freeze accounts and hold consumers funds up to 180 days without paying any interest to these consumers, this action should be against the law.

Company response to consumer: Closed with explanation