BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 asked trans union and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}

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 2023-07-31
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been permanently limited for no reason I cant transfer and receive and my money is stuck in the account while I havent done anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have no knowledge of this debt, please provide demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. absent such proof, you must correct any erroneous reports of this past debt as mine, i requested the collection agency to provide the following information : -please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( i ) in this alleged matter. -what is your authorization of law for your collection of information? -what is your authorization of law for your collection of this alleged debt? -Please evidence your authorization to do business or operate in this state. -Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. -Please provide a complete account history, including any charges added for collection activity. -Please provide me a complete purchase what you pay for the debt. you have 30 days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. provide the proof, or correct the record and remove this invalid debt from all sources to which you have respond it.

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 2023-06-04
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I allege these for-profit schools lured me as a hopeful student into enrolling in their vocational programs by promising certain careers, but only left me with substantial debt, I paid my tuition using federal loans, so not only have these schools taken advantage of me, theyve taken money from taxpayers. I was trying to better my life through education and am instead being left financially ruined. my credit score dropped over XXXX points at once due to payments all at once reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX continues to show on my personal consumer report but it does not belong to me. I have added my police report 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 2021-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company credit acceptance claim a contract is fraudulent altered for XXXX XXXX a dont know with what purpose maybe for get the approved for the bank he altered the down payment is XXXX contract say XXXX price of the car XXXX contract say XXXX over charge around XXXX dollar a contact credit acceptance and this company dont do no investigate they offer a settlement for XXXX a not accept that a they claim a accept that offer this company drain my credit with fraudulent contract a dont go to accept less of remove this account of my credit report and close this account if is posible contact XXXX XXXX the person on the contract

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 2021-08-08
Company: Lending Club Corp
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: Account information incorrect

Complaint:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the lending club, then I have tried to dispute with the credit bureaus, if lending club truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also LENDING CLUB Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today lending club has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all lending club delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX and Equifax states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! XXXX job denied because XXXX reported a Bankruptcy. FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter XXXX XXXX stating not verified, deleted from XXXX data bank. Possibly XXXX  and XXXX, my second complaint. Would like a statement from XXXX and Equifax under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BARCLAYS BANK DELAWARE
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX : The Barclays Fraud department called me to alert me of suspicious activity on my XXXX XXXX XXXXXXXX XXXX # XXXX. 

Immediately I said I do not use this card for in person transactions, I use it online only. These charges are not mine. Please close the card and refund the transactions. 

The fraudulent charges span XX/XX/XXXX and XX/XX/XXXX. There are 8 charges at 4 retailers for a total of {$180.00}. A screenshot will be attached to this complaint. 

I'm told the charges will be taken care of, so I do nothing. 

XXXX : I notice the charges are still on my account. Sure that it was a mistake, I use the online tool to dispute. 

Denied with no explanation. 

Later in XXXX : I dispute again. 

Denied with no explanation. 

In XXXX, I dispute a third time. Denied. 

I call. I am tossed around from department to department with no explanation. I spend an hour on the phone to be told I must speak with a manager and the only way to do so is to get a call back in the next 5-10 business days. I am told if i miss the call for any reason, they will not be calling back.

So I wait and I am called a number of times from the billing department. They're concerned about my late payment, despite being in the middle of a fraud dispute. For two weeks I answer every call, I am never called by a manager.

I call again. I spend another hour being passed from person to person and I am given no answers. Rinse and repeat. I spend XXXX hours in total trying to speak to a person about the matter, I am given no answers. 

Eventually I am told by an employee that my dispute was denied because I didn't send any proof that I was not at these locations on XX/XX/XXXX and XXXX. When I ask what kind of proof to provide, he tells me to send in my work schedule via fax and that will be good enough. 

XX/XX/XXXX : I fax in my work schedule, my explanation, my dispute. 

My dispute is denied. 

XX/XX/XXXX : I send another fax dispute. It include a photograph w/ my geo-location for the day, my schedule, an explanation and so on. 

My dispute is denied. 

XXXX. I call again after an hour I am transferred to a person who finally tells me that the reason my claims are being denied is that at one point over the past three months, I told one of the employees that I had the card in my possession. I explain to her that though I might have said this, it was a mistake. I do not have the card, I have searched my home. I do not make outside payments on this card, I do not visit these establishments. 

I have spent HOURS talking to Barclays over the past three months. And still, I have not been granted access to any person who is willing to talk to me about these fraudulent charges.

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 2021-01-02
Company: EQUIFAX, 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 have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch XXXX XXXX XXXX also they have used my information to get a credit card with XXXX XXXX, XXXX XXXX ( XXXX, XXXX, and XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX and XXXX XXXX XXXX ) I have letters from XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Self Financial Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I XXXX XXXX Have noticed inaccuracy of reports from Self/Lead Bank I have made several attempts to dispute this matter allowing myself to get the account Removed I have also filed an FTC report XXXX Prior to this I have filed multiple requests in dispute of the fradulent report and inaccuracies When according to 15 USC 1681 Reports must be ACCURATE with further investigation my reports are also Fraudulent but these reports have inconsistencies with XXXX, XXXX, and XXXX which by law along with 15 USC 1692 ( g ) ( b ) validation of this debt can only be done by the original creditor which is me The Consumer. I can only validate that debt and this debt is not my debt someone had compromised my information and Fraudulently using my identity and with the help of theses agencies I am having a great deal of suffering in regards to this matter. Also in result to this matter these report have become charge off which is illegal to be done after I have asked for debt validation nothing has been done no notices have been sent to me or any evidence of them showing me that this was truly me because they can't produce the information because it wasn't me. I am asking for the immediate REMOVAL. In conjuction to this matter I am seeking monetary relief due to this erroneous reports that are hindering my livelihood and ability to extended myself credit which Is my right under equal credit opportunity act established in 1974 I have sent documents highlighting each error in reports and am seeking Remedy for Each Violation that is stated FCRA 1681. 
Please go thoroughly investigation ton understand understanding the importance of these law and the litigation to properly go through steps and grant me proper relief Thank you In good faith XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
Experian keeps reporting unverified and inaccurate information on my credit report. Although through multiple disputes via online and through the mail, Experian has stated that they have verified the account and the information is accurate, however, Experian has not produced any documentation to me ( as I have requested multiple times ) to support investigation. 

Furthermore, I sent via certified mailed a debt validation on XX/XX/2018 to XXXX requesting validation of this debt. I also asked to be provided with any documents with my HANDWRITTEN signature and an itemize invoice ito explain what the charges where for. 

XXXX has failed to provide any documents proving I owe this debt and they continue to report this debt montly on my Experian credit report. XXXX, on XX/XX/2018 I initiated a dispute through Experian online to provide Experian with a copy of my debt validation letter and a copy of the certified receipt mailing and demanded that Experian delete the account from my report due to the fact that XXXX failed to respond to my debt validation letter. 

On XX/XX/2018. Experian provided me my dispute results and claimed XXXX that the information is accurate and the account has been updated on my credit report. 

Experian is not verifying the information being reported by XXXX. I gave XXXX more than enough time to respond to my Debt validation request, but XXXX has NOT validated this debt to me by sending supporting documents of their claim. However, XXXX responded to Experian request WITHIN ( 1 ) day as the debt is accurate and verified. XXXX is breaking the law by reporting false misreprensenting information and I DEMAND that this account be immediately DELETED from my Experian credit file.

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 2023-11-27
Company: Central Portfolio Control Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Central portfolio control Incorporated XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX This company and their affiliates continue to call me and send text messages going on 10 years now. 

They continue to ask for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Illinois. 
To my out knowledge no address exist. 
For some reason you're upload file is not operating. Because I would like to upload the daily text messages & phone calls uspo mail, & email that are submitted. I will have to send that by email. 

This company continues to call even after today I spoke with them and called them back and ask them their address company name and information, they had the nerve to call again, while I'm filing this complaint and hang up calling from a different number. 

XXXX is currently investigating mail theft and mail fraud at my address. 

I have received XXXX  mail also from this collection agency and their affiliates. 

When I called them over 4 months ago and said stop addressing that person 's name to my address. 
They did not seem to care that I took the time to let them know they have inaccurate information. 
And appeared to blame me for the inaccurate information. 
I also called them years ago and they just will not acknowledge these communications. 

They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. 

I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. 

This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.

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 2021-07-21
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: Information belongs to someone else

Complaint:
I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation