BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: SC
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:
Inaccurate information is being reported my name is reporting inaccurate my address is reporting inaccurate, car loan from XXXX was never late its paid off on time! & its reporting as a missing payment, if youre furnishing information it must be XXXX percent correct not inaccurate 15 USC 1681 Sec. 602 My rights to travel to privacy 15 USC 1681 Sec. 604 A Can not furnish a account without my written consent 15 USC 1666B creditor may not treat a payment on a credit card, account under an open end consumer credit for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: NJ
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 BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND EQUIFAX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. EQUIFAX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. EQUIFAX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX REPORTS XX/XX/XXXX AND EQUIFAX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was on an interest only repayment plan for several months. When it ended, Navient called demanding a payment that was 5x what I was paying previously. I explained that I can not afford it due to cost of living. They told me to pay a certain amount to get my account caught up, so I did. Now they are claiming what I paid was not enough and my account is past due. When I explained that I paid what I was told, they told me it was the representatives error, and that I still have to make up the difference. Im not sure how its my responsibility to fix the reps error. I paid what I was told with the understanding that I would be caught up. Now the total I owe has gone up significantly past what I can afford. I tried to get back on the program I was on before, but the payment doubled and I cant afford it. They say there is nothing to be done. My interest rate is now 10 %, I will never pay these loans off. I owe more now than what I started with. That is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: SLM CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX or XXXX, XXXX I enrolled into a only interest program with Sallie Mae. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit score and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my sallie mae account as proof and my XXXX XXXX XXXX statements.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PAYPAL is discriminating against the consumer and participating in unlawful acts under the truth and lending act and equal credit opportunity act. In XXXX, The consumer paid for a product for personal, family and household purposes and the seller of the product ( XXXX XXXX ) did not send the merchandise that was listed for purchase. In PAYPAL agreement, it contains that when the consumer files a dispute, PAYPAL handles the issue. However, PAYPAL is exemplifying discrimination practices because they are making me do EXTRA filings to receive my refund. HOWEVER the consumer has requested that her funds be returned immediately because she has IN GOOD FAITH exercised her RIGHT to request her refund immediately. PAYPAL is refusing to refund which is against the Consumer Protection Rights. I informed PAYPAL that, If this claim is not refunded immediately, the consumer will exercise her rights to report PAYPAL to all government agencies to file a complaint that PAYPAL is in violation for unfair practices and refusing to uphold law and are in violation under the TILA, XXXX, FCRA and any other Acts that are deemed proper regarding this issue. The consumer gave PayPal THREE days to resolve this matter and PAYPAL sent back an email REFUSING to refund the consumer. So here i am, filing reports to the appropriate governmental agencies for violation of undue stress and the delay of time experiencing misconduct and discrimination with PAYPAL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I have been requesting a pay off on my home and Mr. Cooper is failing to give me a timely and correct payoff amount. The first two requests were made on XX/XX/2019. I spoke with their customer service on XX/XX/XXXX, XX/XX/XXXX ( to three separate people over two calls ) and XX/XX/2019. I have received two pay off amounts and neither was correct and both were provided to me untimely. The second one was provided with a pay off date on the same date it was sent and provided after XXXX XXXX. ( on a Friday ). I couldn't pay it off b/c the bank was no longer open and I was told I would have to request a new payoff. Mr. Cooper makes about {$10.00} per day in interest that the house is not paid off. Since XX/XX/2019, this has made them over {$200.00} in interest despite the fact that I would have paid it off on XX/XX/XXXX or even before now if the correct information had been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX XXXX I have not initiated any transaction with XXXXXXXX XXXX XXXXXXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXXXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile. 

I found inaccurate authorization of inquiries on my report that I want to remove from my credit report 1.XXXX ( Finance ) 2.XXXX XXXX XXXX XXXX ( FINANCE XXXX 3XXXX ( FINANCE ) Also I need a conformation that are no freezes or alerts that on my credit profile

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 2021-10-02
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:
On XX/XX/2021 I mail a copy of my drivers license, social security card, police report and FTC identity theft report. I received a update on the dispute yesterday XX/XX/2021. The bankruptcies and XXXX XXXX CONTINUE to remain reported on my personal credit. I submitted the police report and FTC identity theft report showing the disputed items were a result of ID THEFT and therefore I supposed to be removed. They HAVE NOT BEEN DELETED FROM MY PERSONAL CREDIT REPORT. Though only 1 item in the police report was removed. At This Time I Am Unsure Of Why The Bankruptcies Continue To Remain Even Though I've Submitted A POLICE REPORT AND FTC IDENITY THEFT REPORT. THIS IS THE LAST TIME I AM GOING TO REQUEST REMOVAL OF THIS INCORRECT/FRAUDELENT INFORMATION BEING LISTED ON MY PERSONAL CREDIT REPORT. ESPECIALLY WHEN I HAVE TAKEN THE PROPER STEPS TO SUPPORT THE ID THEFT CLAIM. IVE ALSO SUBMITTED THE SUPPORTING DOCUMENTS AS WELL TO NO AVIL. IF YOU ALL DO NOT REMOVE THE NEGATIVE INFORMATION I WILL BE FILING A CIVIL LAWSUIT AGAIN YOUR COMPANY. AS YOU ALL ARE VIOLATING MY RIGHT TO DISPUTE INCORRECT INFORMATION ON MY PERSONAL CREDIT REPORT. YOU ALL CONTINUE TO REPORT INCORRECT FRADULENT INFORMATION KNOWINGLY AFTER IVE SUBMITTED INFORMATION TO SUPPORT THE ID THEFT CLAIMS. 

NO ONE SHOULD HAVE TO SUBMIT 10 DISPUTES EVERY YEAR TO GET INCORRECT INFORMATION REMOVED FROM THEIR CREDIT REPORT. THIS IS JUST UNACCEPTABLE AND IS IN FULL VIOLATION OF MY RIGHTS PER THE FCRA. 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-12-08
Company: GOLDMAN SACHS BANK USA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX unauthorized charges from XXXX on my Apple Card in XXXX, {$1700.00} ( XXXX ), {$870.00} ( XXXX ), {$860.00} ( XXXX ), {$1600.00} ( XXXX ) and {$1300.00} ( XXXX ). I purchased something from this merchant before but not recently due to their overcharging and refusing to dispatch the orders correctly. When I first purchased from the merchant, they collected my Driver 's License photo and autography. I reached out to Goldman Sachs Bank USA disputed these unauthorized charges, the merchant then proved fraudulent information that is not from me to make the transactions valid. I believe my identity is stolen by the merchant to put in fraudulent transactions. I have no way to contact the merchant, my previous account was unable to retrieve. 

I called Goldman Sachs Bank and re-disputed the fraudulent charges again, but they require me to prove evidence that I never put in orders, otherwise, I have to pay these charges. I don't know how to prove something I never do for online shopping without a shipping address. I already filed XXXX  and XXXX XXXX against fraudulent charges, and also provide them to Goldman Sachs Bank. They still continue asking me to prove transactions that are not from me. They are not my orders, how come I would have records on those?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is XXXX XXXX XXXX XXXX lower than the other XXXX major agencies. The info is the same. XXXX will boost my score XXXX XXXX XXXX XXXXXXXX if I pay Experian XXXX} a month.. This is extortion is it not? They also have incomplete an inaccurate info on my report that they have verified. The information is still inaccurate and incomplete. Their verification process is to contact the company that supplied the information and ask if this is accurate. No proof is required just an affirmative reply. 
I am sure they make more money from keeping their customers happy than they do by requesting proof. I am sure I am not the only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX or XXXX, XXXX  I enrolled into a only interest program with XXXX XXXX. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit scorXXXX and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my XXXX XXXX  account as proof and my XXXX  XXXX XXXX statements.

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 2022-12-08
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent prove that the debt was paid on XX/XX/2022 and they refused to remove. 

I requested what they had on me to prove the debt was mine, and they did not provide. 

They are not able to prove the debt is mine, and I sent proof that the debt was paid.

Company response to consumer: Closed with explanation