BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: DISCOVER BANK
State: CA
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:
Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. 

During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. 

Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: AZ
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:
I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX XXXX  scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is a BK that isn't mine, and there are some accounts that aren't mine. Please remove them immediately.

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 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Transunion, I recently received a copy of my credit reports. The credit reports showed payment history of 5 missed payments from the US Department of ED. I contacted the US Department of ED and they were unable to verify the information. I was told by the US Department of ED was not in charge of my Loan, it was XXXX ( XXXX ). I immediately contacted XXXX and they were unable to verify the information. This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. Because of this information on my credit report, I have been wrongfully denied credit recently for a home loan which was highly embarrassing and has negatively impacted my lifestyle. 
I called transunion on XXXX XXXX at XXXX and recorded the conversation. I was told by XXXX employees that they do not control the informations that creditors sent them. It was not Transunion job to verify if the informations are accurate or not. I indicated that the phone number listed for the creditor was a non working number and requested more informations to help him verify the informations but was denied. I was offered to put a dispute on the account as a resolution. I informed the rep that it was not helping me because this inaccurate informations are impacting my life. 
The following information needs to be verified and deleted from my credit report as soon as possible : U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX Please delete the above information as quickly as possible. 
Sincerely, 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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Failed to remove and block items listed on FTC report within the prescribed time period. Credit Reporting Agency did not resolving the 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 explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had to dispute a delinquent account on my credit report with transunion in  XXXX   of 2016.  I got that charge taken off but somehow they managed to  XXXX   XXXX  my social security number in the process. I called and spoke t o 4 D ifferent people, none of which could speak good English, you could barely understand them, and they would not fix the social security number ( which they messed up from the original, which was correct ) unless I faxed them my social security card. I did not trust it, and they would n't give me any other options, they were just rude when I said that I did n't feel comfortable. Since then I have new accounts open, I have no access to my credit report,  the one time I was able to see it, nothing had changed on it since 2016 when the charge from the hospital was taken  off, and it should have definitely went up since then. I am unable to get any loans, at least through my bank because my social security number does not match up with what transunion is reporting, my background check for jobs takes longer and I have even been told that they were n't able to find me under my real social security number. I have tried multiple times to get this fixed, but I 'm at a loss for what to do. I am not sending my social security card to some third party call center that is n't even in this country, it does n't seem secure. This was their mistake because my social was reporting right until they took the charge off my credit report and messed up the last numbers in my ssn.   If we could get this fixed that would be wonderful, and less   XXXX   on me.

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 2017-05-23
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : NCC BUSINESS SERVICES  XXXX  #  XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (  1 )  In general No pers on ( c ompany ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under secti on 1681c-2 of this title h as resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious NCC    BUSINESS SERVICES ACC #  XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer Protection  XXXX  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of California Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2020-03-31
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 SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND TRANSUNION HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.

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 2020-03-31
Company: EQUIFAX, INC.
State: TN
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:
Remove the fraudulent information listed on my FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX experian report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine

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 2015-05-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi credit card I called when I had a XXXX XXXX fraud call message I held for a hour no answer I called again I had a letter sent saying they closed my account I have had my card locked I was told my payments were late and I'm not due til XX/XX/XXXX the letter came XX/XX/2020 I have been on the chat waiting and waiting way before this I've tried to dispute any charges I could see I have called today I talked to 4 people and have them tell me they can't reopen my account but r investigating the charged but didn't read me out everything I waited for each person 45 minutes to a hour then have a call back telling me about not being able to reopen my account when I've called waited sent chats locked my card my identity is in shambles and its unfair!

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 2016-06-28
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called XXXX XXXX Medical Center to check if I owe anything but they confirmed all of my bills were paid off.

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 2015-08-12
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Late fee

Complaint:
I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Nelnet, Inc.
State: TN
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 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
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:
Chase Bank is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and Chase Bank having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of Chase 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Stallings Financial Group, Inc.
State: GA
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:
Never received any type of letter or written verification that I owed this debt. Not even sure why I am being charged for this or what their reasonings are. Could not get a proper answer when asking what this debt is in reference to or what it covered and why I'm being charged. I was told that I was charged this fee back in XXXX but they have made no contact with me to verify this debt. They listed this as a collection on my credit report recently, 3 years later, out of nowhere. It just so happened to post right in the midst of me trying to purchase and close on a new home and this is now affecting my credit score. I have absolutely no collections on my credit profile and this is tarnishing my credit and preventing me from obtaining future funding and lending for my small business and personally. They have made no attempts at contacting me in 3 years and I've never signed any paperwork or agreements with this company, Stallings Financial, stating that I'm entitled to pay them any money. I've had no mutual agreements between myself and the other party at all. They are reporting this on my XXXX and XXXX account and I need this collection account removed immediately, as its tarnishing my credit profile tremendously. 

They reported this to my XXXX  and XXXX  profile on XX/XX/XXXX ... Stallings Financial ... Balance {$640.00} ... Dated XXXX

Company response to consumer: Closed with explanation