BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
One day I checked my credit and it had dropped 120 points because some company I never heard of or received anything from had reported to the CRAs that I was in collections. IT was with regard to a medical debt that I do not believe I owe. This company never gave me any notice or a chance to dispute. Plus, I didn't receive any notice that they were going to report to the CRAs. I disputed it online but have heard nothing since and they did not update the reporting to notify the CRAs that I disputed it. I plan to sue them for the statutory fines after the holidays, but I think that putting you on notice about their abusive and secret tactics is also important.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a rentel property with Select Portfolio servicing Inc,  property address is XXXX XXXX XXXX XXXX Pa XXXX which was surrendered during a bankruptcy E filed on XX/XX/XXXX I assumed that everything was over as i never recieved any correspondence from SPS, including any tax bills or sewer bills after the discharge of my bankruptcy on XX/XX/XXXX In XX/XX/XXXX, while pre qualifing for a personal home loan, SPS appeared as an open mortgage in my name. 
I contact my attorney and she charged me XXXX to do a quick deed back to SPS. 

On XX/XX/XXXX i was served with a law suit from SPS filing an action of quiet title saying SPS had not had interest in the mortgage. 
I have XXXX from SPS with the address of the property for the year the bankruptsy was filed. Now they are saying that i had no right to convey deed to them. 

This is a ridiculous, frivolous law suit from a fraudulent company, they need to be stopped and this suit needs to be dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I authorized the payment of {$300.00}  to XXXX XXXX for a XXXX firewall to protect my computer, and had planned to make payments of {$100.00} per month up to the {$600.00} it cost for lifetime coverage, any computer. That was on XX/XX/2020. I talked with an XXXX ( it sounded like he was from XXXX ). I received an email XX/XX/XXXX that I could " upgrade '' my " subscription '' from 3 years to 6 years, if I wanted. I immediately called the phone number on the email and got an XXXX-sounding guy who told me that the email was wrong and he needed to change it. He needed to take over my computer again, so I let him. XXXX, I know now. He went to paypal and quickly changed some things, and just said, " just a minute '', when I asked him what he was doing. I didn't worry ; he sounded like the XXXX guy I had talked to, and when I asked him where XXXX XXXX was he said he was out on the floor. I believed him, unfortunately. He actually took a payment of XXXX $ and XXXX , and said they would cover the amount of {$300.00} dollars, which he would refund me. In short, he scammed me. I didn't know until XXXX XXXX from XXXX called me to ask what happened to the {$300.00} I had paid XXXX. To make a long story short, he showed me that I had been scammed by a guy named XXXX XXXX. This all happened on XX/XX/XXXX. XXXX XXXX went to paypal and tried to get their ( XXXX ) money back, but paypal said it wasn't authorized. Even though it had only been a couple of hours, Paypal had determined that I couldn't file a dispute about either the {$99.00} or the {$140.00}, or the {$300.00} dollars. They took the {$300.00} from XXXX, and won't give it back to me. I don't know what happened to the {$300.00} that I paid XXXX. It is impossible to reopen a disputed claim with Paypal when it's been closed. I feel that Paypal shouldn't have blocked me from getting any of my money back, and needs to explain what happened to the {$300.00} I paid XXXX. When I go to the website, it says it was an unauthorized transaction, and it's closed. I wasn't allowed any time to question or dispute anything. Paypal doesn't answer their phone now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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 pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

Equifax 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX   1.XXXX XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX 3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2020-07-16
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I entered the Public Service Loan Forgiveness program about 6.5 years ago. My loan amount that was transfered was XXXX XXXX.They placed me in the Income based repayment ( IBR ) plan. From XXXX to XXXX of XXXX, I paid {$300.00} a month for student loan payments. In XXXX of XXXX, my payment jumped to {$550.00}. I called and complained. I was told that this was part of the forgiveness program repayment. I asked it they have a better plan that did not charge as much. I was told that this one was the most flexible.This went on until XXXX of XXXX when they jacked it up again to {$610.00}. I called and complained, again. They stated that if I fill out the IBR form to recertify, my payments would drop. I filled out the form and it took until XXXX to reduce it down to {$480.00}. At this time, I noted that my loan balance was {$48000.00}. In XXXX of XXXX, the payment went up again to {$520.00}. They raised it again in XXXX of XXXX to {$570.00}. It was explained to me when I entered the program that it freezes the interest and you pay down the principal balance so you basically get the interest forgiven.Looks like I am not getting even that. I have paid them {$34000.00} so far and yet I still owe {$36000.00} .The new recertify form is stating that my payments are set to go back up to {$600.00}. I have done the math, at this rate I will have paid off the loan with their repayment plan. In which case, there is NO LOAN FORGIVENESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive asked chase to provide me a monthly statement or a XXXX balance letter multiple times but they havent sent me either since 11 business days ago. I need the monthly statement for all 3 credit cards at chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the XXXX XXXX legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the XXXX XXXX investigation and the actions the Credit Bureaus have taken to rectify this situation.

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 2021-02-03
Company: The Stark Collection Agency, Inc.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting negative items on my report that WAS NOT AUTHORIZED and BY LAW that is illegal. 
FDaCPA 809 Violation Misleading False Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer  credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information  indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: VA
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:
Wells Fargo Home Equity # XXXX, this home was sold on XX/XX/XXXX. Wells Fargo and XXXX are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from Wells Fargo and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX pulled my credit report XXXX was showing this incorrect information. I have contracted XXXX and Wells Fargo myself and to date this issue is still not correct. I have filed prior disputes with XXXX and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act RBFCU has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may n
ot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you and please let me keep me updated on the complaint outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: BMW Financial Services NA, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted BMW Financial services around XX/XX/2019. They responded ( attached ) in a rather evasive manner. I am not affiliated with any Credit Repair companies and would appreciate a timely response into the matter originally inquired ( attached ) .Please do not contact me by telephone and communicate in writing only please. This is the second Cfpb complaint I have had to file about this company ( 1st one XXXX )

Company response to consumer: Closed with explanation