BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: ALLY FINANCIAL INC.
State: OH
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:
Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

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 2017-06-20
Company: EQUIFAX, 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:
I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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:
I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

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 2022-09-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/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 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is my 3rd attempt at trying to resolve this matter with XXXX. XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.

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 2017-06-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX, went to the bank to deposit XXXX cash into the ATM in one of the drive thru lanes. I inserted my card and entered my pin number. Tapped deposit on the screen. Then inserted XXXX XXXX dollar bills. The screen displayed " Your cash has been confiscated ''. I was very frustrated due to the fact that there was nothing I could do about this right then. I am XXXX and on limited budget. The money I tried to deposit was a gift. I really needed this money. Anyway, I went to the branch that I use on XXXX the XXXX. The address is XXXX XXXX XXXX in XXXX, TX XXXX to report this. I reported to a lady named XXXX. I was given a reference number to keep up with the status of the investigation that was to take at least until XXXX the XXXX. I called several times. On XXXX the XXXX, I called and was told that the ATM was not over balanced and I was denied my money. This seems to be very frustrating to me. I would think that the cameras at the ATM could show me there depositing the money. This is no scam! I seriously need my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS  XXXX {$0.00} inaccurate 06 XXXX  XXXX {$130.00} inaccurate 09 XXXX XXXX   XXXX {$3900.00} inaccurate 12 XXXX  XXXX XXXX XXXX  XXXX {$460.00} inaccurate XXXX XXXX {$2300.00} inaccurate XXXX   XXXX  XXXX {$12000.00} inaccurate 06 XXXX  XXXX {$0.00} 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 explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/XXXX I received a voicemail from a caller id blocked number, when i checked the voicemail it said i was going to be served on XX/XX/XXXX, and to call XXXX, when called i told i was being sued for a XXXX bank account and that I was going to be served, when i started asking questions, they hung up on me and now wont take any calls.. upon review I found this https : XXXX They called themselves CRS and associates

Company response to consumer: Untimely response
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XX/XX/2018, I bought a phone through XXXX  and paid {$3600.00} through PayPal. The phone was faulty, I followed XXXX procedure and returned the phone for refund. The seller started playing with time. I filled a case with Paypal which was closed without thorough investigations, no contact with me to verify my facts. I appealed their decision several times, Paypal kept saying this decision based on new available information, and closed the case. 
I actually reported the case again to Paypal as fraud, the seller opened communication with me after I opened the case with Paypal. The item was sent back upon request, and he collected the item. After Paypal closed the case, he stopped communication and did not process my refund. I attached the sellers conversations with me during the process, sent to Paypal in email and registered letter and XXXX confirmation that he seller the item back. 
As directed, I called Paypal customer services on XX/XX/18, and spoke to a representative. I was informed that a case will be opened regarding my concern, and that I do not need to do anything, few days after i received a message that the case is closed. The XXXX kept the phone and have not processed my refund. 
I expected Paypal to thoroughly investigate this matter and resolve it, but they did not. I am open to provide you necessary document as needed. 
Kindly use your good offices to resolve this case. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: MRS BPO, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, MRS Associates are trying to collect the 'non ' debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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:
I 'm in the process on getting a home, the person that 's running the credit and so I can be approved is saying every time she tries to run it 's telling her " inquiry information identified as fraudulent by consumer error ''. I 've been calling for the past two weeks, I started calling to be exact XXXX XXXX. They started asking me questions, the representative told me I had to fax paper work ( id and social security card ). That it will take 48 hours for it to get there. So the XXXX I sent my documents, waited and I called Monday. They said they did n't recieve anything yet, I asked to talk to a supervisor, name was XXXX. She said they got the documents but that the documents I 've sent the numbers were dark and they could n't read them. She asked to fax them again, so I did. I called again the XXXX, again They were having trouble finding my documents, got transferred to 4 different. One said they had em another said they did n't. I sent my documents again and the same issue. They were giving me the run around. They transferred me to a supervisor in XXXX, remind you I was on the phone for 1 hour 20 min, she told me that I had to wait 2 months, I had to create a profile, that they were was n't anything they can do. I have my receipts from what I sent. Even XXXX XXXX sent them a credit history and she still said I needed to send again, I had to create a profile etc etc. it 's very aggravating because again, I 'm in the process of purchasing a home and I wo n't be able to until this issue is fixed. I have names of the ones I spoke to and times. I explain to them my ssc was stolen but that 's why I was sending documents to confirm I 'm the same person in the social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Medical-Commercial Audit Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the first bill dated XX/XX/2021 from XXXX XXXX for {$70.00} on XXXX XXXX. I paid said bill on XX/XX/XXXX in full. On XX/XX/XXXX, XXXX sent me to MCA management company. On XX/XX/XXXX, MCA sent me a letter stating I owed the debt with a collection fee which I did not receive until XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX who stated it was their error, and they will get it rectified. On XX/XX/XXXX, I contacted MCA to make sure it was removed and it was not. The woman XXXX from MCA started yelling at me saying that they can't do anything and I need to talk talk XXXX. She kept interrupting me. When I asked to talk to the manager, she ( manager XXXX ) said I was wrong and that they will not delete the account only mark it paid in full. I told her that was not good enough as this was sent in error. She said they will not delete my account because it was sent correctly. She then told me to take responsibility and pay my bills. Great manager/owner to treat people like that. I did pay my bill less than a week after I received the bill, prior to her company even being involved. For a person to speak down to someone so disrespectfully is beyond me. I ended up saying a bad word and hung up because she offended me so bad. McA should have confirmed the debt was valid prior to sending me the collection letter. They were able to look up my payment while I was on the phone with them so I'm not sure why they couldn't do that before the letter went out. She could also clearly see the account was paid prior to the letter, yet refused to help.

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my 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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Investigation took more than 30 days

Complaint:
I tried disputing items from my report. i have not received any update

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Nelnet, Inc.
State: MS
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:
Nelnet said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: AES/PHEAA
State: WA
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. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.

Company response to consumer: Closed with explanation