BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-07-12
Company: Shellpoint Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My service provider granted me a XXXX forbearance on my XXXX loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a XXXX month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to XXXX fixed loan. 

However during the XXXX months of the trial period, my credit account was reported to the credit bureau as XXXX, XXXX and XXXX days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the XXXX, XXXX, XXXX  day missed payments from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of XXXX  I made an on-line request of citi Bank for a credit line increase for my Costco XXXX card XXXX I did not authorize a credit check. 
I received a written response ( attached ) denying my request, in part because I had not authorized a credit check. 
However, I discovered that citi nevertheless had conducted a hard inquiry. I wrote citi on XX/XX/2022 requesting that they remove the inquiry from my credit record ( letter attached ). 
I received a written response dated XX/XX/2022 ( attached ) with the dubious statement that citi was unable to locate the inquiry. I responded with a printout from XXXX showing the XX/XX/2022 inquiry ( attached ). 
citi responded with a letter on XX/XX/2022 ( attached ) that they were unable to remove the inquiry from my credit report. While my credit limit was increased as a result of the inquiry, my XXXX score has decreased because my amount of new credit is " XXXX '', in part due to the XXXX XXXX  inquiry. It is the only inquiry on my report this year. 
I had requested a similar increase for a XXXX XXXX credit card. When I was asked whether I authorized a credit check, I declined. XXXX XXXX did not increase my credit line and did not conduct an inquiry. My XXXX XXXX banker explained that he has indeed removed unauthorized inquiries for his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
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: Problem with product or service terms changing

Complaint:
My data was stolen in the Experian data hack and I was not notified promptly.

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 2022-02-15
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: Account information incorrect

Complaint:
I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and 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 2019-10-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2019, I filed a complaint against PayPal, XXXX, incredibly I received a response from Synchrony bank, which did not address the issue at all. The response from Synchrony simply gave me a history lesson, thank you for telling me what I already knew. 
SO LET 'S DO THIS AGAIN and I will word my complaint differently so there is NO confusion. 
PayPal ( not Synchrony Bank ) targeted and solicited me to open a PayPal line of credit. Promising zero interest and 6 months or more to pay for items over {$99.00}. 
I APPLIED ; and was approved my credit score was XXXX. 
The line of credit is now attached to my PayPal account. However PAYPAL, not Synchrony Bank, does not allow me to use the line of credit as an OPTION for any purchases at all. I have made a dozen attempts over the last 2 weeks, from {$40.00} to {$700.00} each and every time with a merchant that accepts PayPal Line of Credit. BUT, PayPal does not give me an OPTION to use the line of credit I was approved for by Synchrony Bank. I will provide screenshots of my attempts and you will see the OPTION to use the PayPal line of credit is NOT available for me. I have made at least 9 inquiries and every time get the identical standard auto response. I have done nothing to break any agreement because I have not had a chance to use the line of Credit. PayPal has not asked for an additional information of provided a valid reason why I can not use my line of credit, This is FRAUD by PayPal and I have been harmed. 
In Summary again to make sure whoever reads this understands. 
1. PayPal solicited me to apply for a line of credit 2. I applied and was approved through Synchrony Bank 3. My line of credit was attached to my PayPal account 4. I get solicitation every day from PayPal to use my line of credit 5. I have made over 9 attempts to use my line of credit with merchants who accept PayPal but PAYPAL refuses to allow me to use the Line of credit for anything. Paypal simply has blocked my account for access to my PayPal line of credit. 
THIS IS A EASY CLASS ACTION as PayPal misleads every single consumer. What PayPal really does is make a credit decision against each consumer for each purchase attempt using the Paypal line of credit. If I knew this is why PayPal really did I never would have applied and gone through this XXXX. 
Any XXXX search will reveal the thousands of identical complaints. 
****Lastly, I do NOT want and do not authorize and phone calls from PayPal in their response. I want all communication in writing to make sure both sides have an accurate record.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2022-07-12
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: Account information incorrect

Complaint:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and Transunion not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
American Express is reporting that I owe an alleged debt in reference to account # ending in ( XXXX ). I am requesting that American Express provide verification of this alleged debt proving that I owe the company. Let 's be clear American Express hasn't loaned me anything and neither have I borrowed anything from American Express. The Truth In Lending Act never defines the terms loan or borrower. So why is your company stating that you loaned me money, or I borrowed money. I conditionally accept American Express claim of this alleged debt under the following conditions. Please provide me with a certified accounting ledger notarized and sworn to under the penalty of perjury to attest to the fact that American Express loaned me money, or I borrowed money from the company. Need I remind American Express that federal law ( 15 U.S. Code 1602 - Definitions and rules of construction ) defines a credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. American Express should also provide me with some sort of statutory authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KY
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:
Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-02-11
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was notified they took over a debt from a move out that I had received an emailed bill but no follow up on. 
Requested them to send me the information via email or fax, they did not, and as I am a XX/XX/XXXXveteran I didn't have a mailing address to give. They were extremely aggressive argumentative and condescending on the phone and gave me anXX/XX/XXXX. Asked for info on the debt and was told there was nothing they could do or send me. I told them multiple times I was willing to pay what I owed if they could provide proof but they were unable to. Felt guilted and coerced into paying and I was threatened with more credit reporting. 

They also said I never gave a forwarding address, when looking at the records, on the bill I received there is a forwarding address so that was a lie and they never sent it to the forwarding address. They also said they could not take payments online and forced me to pay over the phone when that was also not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax has mishandled my credit information putting myself and millions of others at risk. They have flagged me as a potential victim according to their equifaxsecurity2017.com website, and I would like a resolution to this problem. Equifax knew about this issue and waited days before making it public, putting my personal finances and those of others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of 2018. all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-07-12
Company: Nelnet, Inc.
State: NY
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:
i have a collection that shouldn't be on my report. I Was told it would be removed when it was paid but hasn't been removed as of yet. I've tried disputing it. Originally i was never contacted to let me know i owed money. Once i was i paid the balance immediately and they agreed to remove the collection from my credit report since i was never notified. Please help me any way that you can to get this removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ERC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation