BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and  XXXX   XXXX   XXXX  would not do anything to correct this issue.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : DEPARTMENT OF EDUCATIONXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2021-10-04
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:
Hello I have made several attempts with Transunion to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. I am seeking assistance from the Consumer Financial protection Bureau to compel Transunion to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! Thank you in advance! 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 2017-07-25
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all 3 credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and XXXX XXXX XXXX would not do anything to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: MO
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 disputes to the 3 credit reporting agencies on X/X/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect onXX/XX/XXXXof this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 2022-01-04
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX. 
XXXX XXXX however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from XXXX XXXX that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from Radius Global Solutions LLC informing me that XXXX XXXX has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of XXXX XXXX as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.

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 2022-08-17
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a fraudulent/scam situation whereas the person of interest has a Chime Bank account XXXX They took {$90.00} to cover a partial rent. After I found out the place that was supposedly for rent was not available, so I filed a complaint against two money transfer account. XXXX with XXXX XXXX who launched an investigation and Chime. Chime on other hand cannon recoup the {$90.00} but made me upset that Im dead set closing this account for handling fraudulent and scam

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MO
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 disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some time in XXXX of XXXX I received mail at an old address ( my parent 's address ) with a debit card from USAA. The card has my old name ( last name changed after getting married ). My name is very unusual and it is extremely unlikely that someone would accidentally open an account in my name, especially since it went to my parent 's address where I used to live. Early in XXXX of XXXX my parents received another letter from USAA saying the account address was being changed. We tried twice to contact USAA but end up being disconnected after waiting on hold for long periods of time bouncing between people who didn't know what to do. I am not eligible for any form of USAA account at all so it is even stranger to see one opened fraudulently in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2 Debt Collection Agencies are coming after me for the same debt. 

Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/2019 - Current Balance {$8100.00} Creditor : XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/2019 - Current Balance {$6700.00} I have never received any mailed notification regarding this debt owed. Also, I have never had someone call and speak to me on the phone. If they have tried to call they haven't left me a voicemail. 

This is the same debt, XXXX XXXX owns and operates XXXX XXXX at XXXX XXXX XXXX. I want to get 1 of these removed, preferably the larger of the 2, then at that time I will pay the debt off in full. I would like the negative collection removed from my credit report and my Credit Score increased by 21-25 points. I have been told it could and should happen once the debt has been paid and removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A debt collector company by the name of Kirschbaum and Phillips out of  XXXX, NY ( XXXX XXXX ), has sent over paperwork to XXXX XXXX Sheriff 's Department, trying to hard ball me for a debt from 14 years ago ( XXXX ). At the time, I was totally clueless that someone could dispute a debt, and I wound up paying somewhere around $ 14k, paying off one debt and started paying another before I found out that debts can be disputed. I never told the collector at any time that I wouldn't pay the debt, but I DID send them a letter via certified mail, asking them to send me validation of the debt pursuant to section 809 ( b ) of the FDCPA back in XXXX and they never did. I never contracted with this company for them to collect any funds from me, and all I asked for was a copy of the contract with the wet ink signature from both parties, that I gave them permission to collect these funds. The statute of limitations on a debt in XXXX is 6 years. So why are they giving this to XXXX XXXX Sheriff 's Department NOW, when all they had to do was present me with what I asked for a couple years prior? I will be attaching a copy of the letter that I presented them 2 years ago that wasn't followed up with any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: American Profit Recovery, Inc., Marlborough, MA Branch
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: Account information incorrect

Complaint:
The amount owed for the daycare collection is higher than the account balance so that needs to be corrected.

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: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to I C System requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. I C System is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of violations against the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: ONEMAIN FINANCE CORPORATION
State: MD
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : ONE MAIN Made on : XX/XX/2017 Made with : XXXX   To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX Owed XXXX {$1000.00} , US DEPT ED XXXXBalance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX**Balance Owed XXXX {$1100.00}, XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with explanation