BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 my second request for deletion of accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX 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 2016-01-05
Company: Paypal Holdings, Inc
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

XXXX Bank XXXX Unverified Account XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 non-monetary relief
Consumer complaint received 2020-01-14
Company: LendKey Technologies, 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:
Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: AL
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:
as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} 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 2020-05-16
Company: MoneyLion Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payments showing on my credit report.i set up autopay there's no way im gon na be late for payments.two of my checking account was linked for loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH 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 non-monetary relief
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased concert tickets on the XXXX website on XX/XX/20. The merchant ( XXXX ) had offered a refund due to COVID-19 ( which I elected to take ). The merchant refused to honor the refund request I had made through their website. I filed a dispute with my credit card company I used to make the purchase ( Discover ).  Despite submitting clear and compelling evidence that I was owed a refund, Discover upheld the charge, and now I have paid over {$1000.00} for concert tickets I can not use, sell, or exchange due to XXXX XXXX  policies. I strongly feel that Discover is complicit in defrauding consumers and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: National Credit Adjusters, LLC
State: AZ
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 a loan with XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Designed Receivable 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:
On XX/XX/XXXX or XXXX, I noticed that I had a collection reported in the amount of {$5100.00}, which is the original amount. The updated amount with fees is now {$5400.00}. I immediately did a 3-way call and contacted my insurance company and the hospital listed on the report, because I knew there was clearly an error. After the XXXX XXXX representative and a representative from the billing department at XXXX XXXX came to the conclusion that there was indeed a billing error and XXXX XXXX paid the correct amount, the XXXX XXXX representative requested my medical medical claim processing record, which was sent to her on XX/XX/XXXX via email. The representative then responded saying that they will contact the collection agency to remove it from my report due to the error. However, when I checked my report it shows as closed instead of it being removed. I contacted the hospital again and was advise to dispute directly with the bureaus. I disputed online but they were only updated and one showed as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with Amex. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Amex with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of investigation.

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 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Transunion for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Transunion about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

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 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint

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 2016-05-26
Company: Mark A. Kirkorsky, PC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I received a letter from a debt collection agency, Mark Kirkorsky P.C. Law Office of XXXX XXXX ( XXXX ), it claimed that I was liable to XXXX XXXX XXXX ( XXXX ) for a non payment of a service XX/XX/XXXX. XX/XX/XXXX, I was a property manager and managed a rental home for my client at XXXX XXXX XXXX XXXX XXXX XXXX CA. We had a XXXX XXXX XXXX XXXX to do all the appliances repairs. I filed a claim through the home warranty company and XXXX approved the claim and authorized, hired XXXX XXXX XXXX XXXX and did the service. On XX/XX/XXXX, I received a phone call from Mark Kirkorsky Law Office ( XXXX, XXXX XXXX ) and said I owe {$290.00} to General Appliances XXXX. I was shocked regarding such a phone call. After I did some investigation, I have learned the XXXX had billing issue with the home warranty company and finally they turned the bill to the collection agency. However, Law Office of Mark A. Kirkorsky PC does not right to pursue me to pay them on the service for these reasons : 1 ) I did not hire them for the service and I did not have service contract with them. They were hired by the warranty company and they had contract with home warranty company ; 2 ) I was not a home owner or landlord on that property. I was a property manager at that time. I was not a beneficary for that service. The debt is not mine. I am very concerned about this debt collection agency that they did not fully verify information before sent out collection letter and they made harrassment phone call to me. The unpaid bill was involved with home warranty company and billing collection problems between warranty company and service provider XXXX XXXX XXXX XXXX XXXX. They should not get the property manager involved and liable for non payment. The debt collection should sue and get judgment from XXXX XXXX XXXX XXXX but not me, a property manager.nstead, I never authorized the service contract and never hired the service company myself. We used XXXX XXXX XXXX to cover our repairs and expected XXXX XXXX XXXX to take care of the bill. The debt collector chases the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a true credit monitoring service and was alerted at the beginning of this month that a state tax lien has been added to my report. I tried to dispute it online but I am locked out of disputing which I do not understand since I pay every month for this service. I have called in 4 times this month and told them I have no such lien and it is still there!! It is not on XXXX or XXXX and never has been. I also went to the XXXX County Courthouse and was given a letter stating they have no such lien against XXXX XXXX at XXXX XXXX XXXX, XXXX sc XXXX with social XXXX in amount of {$5300.00} and have not supplied such information to transunion. I am trying to buy a house and they have ruined my credit. I need this deleted asap!!

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 2015-03-30
Company: Account Discovery Systems, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.

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 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.

Company response to consumer: Closed with explanation