BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

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 2017-06-24
Company: On-Site Manager, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On-site is reporting 4 different inaccurate judgements. They are duplicating each one. One of them has a sealed record and should not be appearing at all which has a file date of X/2011. Yet it is appearing as vacated, I lived in that unit for 3 additional years so again it was sealed. The other judgement was vacated. With a file date of X/X/2011and it is showing it is owed. The attorney acknowledged that it should not be appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States that I have the rights 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 a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: ND
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:
I disputed the information with Experian and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with Experian but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

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 2019-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I consolidated 26 federal loans into one loan. The amount of the loans totals {$290000.00}. I have applied for Public Service Loan Forgiveness ( PSLF ). I have worked in public service since XXXX and have provided employee certification. Prior to consolidation I had 24 months credited for PSLF under the Cares Act waiver since XX/XX/XXXX. I have been waiting for review of my loans that are from XXXX for the recently announced waiver since XX/XX/XXXX. I spoke with a Fed Loan representative in XX/XX/XXXX and they went through various inaccuracies on my loan accounts ( in-school deferments not accurate and prior payments not being counted ). Fed Loan stated that they would submit to Department of Education for a manual review but it could take months. 
In XXXX of XXXX I decided to consolidate my loans so that I could get the highest payment counts once the waiver was applied. The consolidation went through fine. I then however, received the attached letter indicating my account had been reviewed under the waiver and now I only have 2 months! I inquired about this error and received a confirmation letter ( attached ) that is was accurate. 
I absolutely know that this is an incorrect count. My loans have not been processed under the waiver or there is something terribly wrong. These types of communications cause extreme anxiety and stress and I do not know what other options I have to get this corrected since Fed Loan is indicating that it is correct. I can not get anyone to respond via emails and social media direct messages. They do not answer their phone for hours so that is not realistically an option. 
I am just looking to have accurate communication. I realize applying the waiver takes time and I fully anticipate once it is applied there will still be inaccuracies that I will need to address but these types of communications are irresponsible at best. 
Thank you for your assistance on behalf of myself and all XXXX XXXX borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, XXXX and Experian is govern by 15 USC 1681. And they violated my rights numerous of times. 
listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish My report hard inquiries that are not mines.

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 2017-06-24
Company: JPMORGAN CHASE & CO.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Reference ID XXXX Dear Chase, On XX/XX/XXXX, I bought XXXX XXXX which were supposed to XXXX XXXX XXXX XXXX XXXX XXXX, and correcting other issues XXXX, and XXXX. I made this purchase at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. <P/>Unfortunately, the service which were provided were inadequate because they did not enhance my XXXX or the XXXX XXXX XXXX XXXX. However, they did leave my XXXX XXXX and the feel of my XXXX XXXX XXXX. Also, XXXX XXXX XXXX failed to meet the timeline we had agreed upon, the process took over 2 months. <P/>To resolve the problem, I would appreciate a refund of the total charge amount. Enclosed are copies of my records receipts and explanation of benefits concerning this purchase/repair. <P/>I look forward to your reply and a resolution to my problem.Please contact me at above address. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well.

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 2022-09-06
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: Their investigation did not fix an error on your report

Complaint:
Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : XXXX XXXX XXXX XXXX XXXX : Collection : Fraud

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 2022-03-09
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: Information belongs to someone else

Complaint:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card debt with the company called XXXX XXXX. The debt was approximately {$3500.00}. At the time I obtained the credit card I was married and was paying everything on time. Unfortunately shortly after, I got divorced, changed my last name back to my fathers and stopped paying my credit card debt. Many years later the company called Pressler and Pressler bought my debt from the bank XXXX XXXX. In approximately XXXX Pressler and Pressler began contacting me constantly but it was to my old last name, which was my ex-husbands last name. Eventually they put a link on my social security and continued calling me to pay. Years later they sued me again but this time to my correct last name. Pressler and Pressler also began garnishing my checks, taking 10 % of my pay per week. After about a year or so my pay drastically dropped and they could n't continue garnishing my checks because of how little I was now making. About two years later a court sheriff came to collect my tenants rent which was when I decided to get a lawyer. We tried settling but they refused all negotiations. Eventually my lawyer made a deal with them to pay {$2500.00} off the bat and {$500.00} every month until the total of {$5400.00} was paid. I decided to pay it through my lawyer to make sure everything was accounted for. After the last payment was made my layer called them to confirm that I did n't owe anything else and they told him everything was paid off. Many months later another sheriff came to collect my tenants rent with a new court order. About a week later I received a letter with the same sue asking for the same amount of money I originally owed. The only difference now is that the envelop contained my first name followed by my ex-husbands last name and inside the letter had my first name followed by my ex-husbands followed by " - '' followed by my actual full name with my father 's last name. We have proof and copies of ALL checks that were sent to them, copies of my divorce papers, and copies of the company I worked for when they garnished my checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Personal information incorrect

Complaint:
I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # 1 ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # 2 ) My questions went unanswered. I asked them why don't I have a credit score? My question still went unanswered. 
On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. 
On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. 
On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # 3 ) It took them more than 30 days to investigate and respond on my account. They also completely ignored all of my request.

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 2017-06-24
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX 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 2019-12-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
new Apple Card credit card holder and on Saturday, XX/XX/XXXX they had placed a restriction on my card without providing me any reasons as to why they restricted it I just received a message saying that your account is restricted for no apparent reason they said they have to give me a call back to resolve the issue nobody has called me back theyre just giving us a runaround and it seems like a lot of people are having issues with the same thing car just restricted this is the first time that I had dealt with a big company that has such poor customer service and they are very sickSecretive of what to do they could not see resolve it with me coming in they have to call me which is so stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Atlanticus Services Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX I ordered a new card. The card never arrived. I noticed Fortiva kept pushing card over the spending limit and reporting false information to the creditors. They kept the card they were supposed to send to me, and instead spent the card over the limit and reported false information. When I discovered they did this I asked for a new card and they told on themselves and claimed they been sent it to me even after I told them I never received it or used it. Someone at Fortiva was using the card driving up the limit on the card while refusing to send me the one that was ordered for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi there, I applied for a Home Depot Credit card, got approved ( X/X/17 ) and received the card. Had it for 2 months, went to use it 3 weeks ago for the very first time and find out that it has been blocked. It had been blocked for 4 weeks according to the agent on the phone but nobody thought to notify me like any normal credit card company would do. I was told it was for fraudulent activity 1st even though it had never been used, then told that it wasnt fraud that it was something to do with risk, was told that it was a computer that put a block on it and not a person, then by the end of that conversation was told that there was a risk department called " black ops ''. Was then told that a supervisor had spoken to the manager of the risk department and that the supervisor would contact me back in 24 hours to explain what the issue was. A full 14 days later and no call from the supervisor. I call again today and was told by a manager this time that they can not put me through to the risk department, they can not give out the risk departments number, that the risk department may contact me by letter and there may be a contact number on the letter or they may call me instead. She said that they are a global company but are not connected to the risk department. So, as with my previous call I ask to cancel my credit card that I have never used. And they said that they can not do so until the risk investigation that they 've given me zero information on is complete. I feel like this is insufficient information on their behalf and I am concerned about how they are handling my personal/business information. This is my 1st time using Citibank NA and so far its been a negative experience. Why would anyone want to do business with a company that does n't contact you and you are unable to contact one of their specific departments, it just does n't make sense. Thank you for your time, Best regards,

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: Experian Information Solutions Inc.
State: CT
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:
I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.

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