BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I sent letter to both TransUnion at XXXX. XXXX   XXXX, XXXX, PA XXXX and to XXXX  XXXX  at XXXX XXXX XXXX XXXX, XXXX, MD XXXX in regards to an account I originally disputed in XX/XX/XXXX that was first reported XX/XX/XXXX. The account was removed from my consumer credit reports due to the inability to provide validation that this account was my debt. The original creditor was the University XXXX XXXX  for the amount of {$5100.00}, and as stated previously in XXXX this is not my account and I demanded validation. 

This account has since reappeared again, and as stated above I sent letters to both TransUnion and XXXX XXXX to please provide details that this account is mine. According to the FDCPA I have the right to request and receive detailed information regarding this account. In addition, I never received any correspondence from XXXX XXXX 30 days prior to reporting this account, to give me the opportunity to respond or request information prior to being reported to my consumer credit report. Nor have I received a response from TransUnion or XXXX XXXX to this date. 

I ask that the Consumer Financial Protection Bureau assist me in obtaining all and any verification or validation that this account belongs to me. Otherwise, that this account be removed immediately. 

Thanks you for your immediate attention in this matter.

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 2020-04-01
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Checkr has reported to many potential employers that I have a restriction on my Drivers License of no passengers. This is incorrect and I have provided them numorous time of the motor vehicle report from The State of North Carolina. My current license has only a restriction of Corrective lenses. I know where they are getting the No passengers and that is from a Motorcycle PERMIT that expired XXXX. I have attached the MVR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have received 4 months forbearance ; however, no one has responded in writing to my letters sent to Discover on XX/XX/2020, and XX/XX/2020. The letter explains my financial situation and requested a response in writing. I sent this letter to several different addresses for Discover such as the following : XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Discover XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Credit Card Services XXXX XXXX XXXX XXXX XXXX, NC XXXX NO one from any of the addresses have responded by phone or mail. Each time customer service states they have no record and give me another address which is always different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
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: Overcharged for something you did purchase with the card

Complaint:
I used my credit card for 2 months, I made 3 payments, my credit card was paid in full. The citi bank still want {$390.00} from me, but they ignoring me, they do not want to solve the problem. This is fraud.

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 2019-12-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This claim was closed by XXXX XXXX XXXX along with XXXX -- CFPB claim XXXX. There is no owed debt. XXXX XXXX XXXX is not processing and acknowledges that the debt is not owed. 

Neither party could provide the XXXX XXXX for the phone in question which was never used and returned to XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: AES/PHEAA
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:
I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit  bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

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 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my TransUnion and XXXX credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my TransUnion and XXXX credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.

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 2022-07-26
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the following fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 Credit Report Toolkit : Print your reportThis link opens a new browser window Credit EducationThis link opens a new browser window Know your rightsThis link opens a new browser window Credit Fraud Center General personal statements currently displaying on your personal credit report at your request appear below : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016.

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 2015-06-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a card with XXXX closed acct to open a XXXX rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. XXXX sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and experian said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to XXXX for proof of debt and I get nothing, I paid anything I owed XXXX and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/2015 at approximately between XXXX and XXXX. I made an attempt to dispute negative items that are on my credit report to Experian Credit Reporting Agency. A representative name XXXX and his manager XXXX were very condescending and rude to me. I made several attempt to explain myself and it was clear that these XXXX individuals did not want to help. The day before I had initiated disputes online with the credit bureau and wanted submit evidence to support my claim. I informed them over and over that there 's duplicate negative items on my credit report and they continued to be more difficult and harass me verbally. I am willing to file as many formal complaints as needed to get this kind of disrespect to end when dealing with credit reporting agency. After being frustrated by XXXX, his supervisor XXXX continued to taunt me as if this was some game. I could clearly tell in her tone that she was n't happy to speak me after XXXX. I did inform them both that I would be filing a formal complaint to federal government about their behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received any communication of a debt ... .hospital had wrong address, wrong phone number. Have been living at this address with proper id for 9 years. Dr bill was from 3 years ago ... hospital was paid. Never received any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, 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:
I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " XXXX '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education 5066 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report, and saw an account for Kohls/Capital One in the amount of {$1800.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-07-27
Company: Experian Information Solutions 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:
Although a complaint has been issued previously on XX/XX/XXXX, I have NOT received method of verification documents as requested from Experian. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 bureaus are reporting different information which means that the information was NOT properly verified and is not 100 % accurate. 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, 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 2022-01-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My XX/XX/XXXXaccount and XX/XX/XXXX bank has been compromised. Transactions being made not authorized by me. Call bank speak to XXXX different ppl each time and can't get them to give me names or employees # 's. No documentation is being made on my accounts. Get transferred around not getting the issue resolved. Add {XX/XX/XXXX} on my XX/XX/XXXX Still don't have funds 4 days later. Been toXX/XX/XXXX4 times to fix this because XX/XX/XXXXis refusing to help. Even have them the reference # on the receipt from purchase that XX/XX/XXXX store XXXX told me to give XX/XX/XXXX.Then i. GaveXX/XX/XXXX the sequence and authorization #. STILL nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
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. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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