BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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 am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2022-04-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have 2 Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. XXXX  And TRANSUNION, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.

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 2017-07-19
Company: EQUIFAX, 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:
Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
In accordance with the Fair Credit Reporting act 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XXXX XXXX and have yet to hear anything regarding validation.

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 2022-04-30
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 have been a Victim of Identity Theft both from my Driver License & Social Security card that was stolen twice and fraudulent accounts were open. XXXX also confirmed that my name and Social Security have been compromised. With both Crimes that occurred against me that lead to many fraudulent accounts opened under my name. TransUnion has received my FTC & IDENTIFICATION Theft Police report. As per section 605 B FCRA TransUnion is currently reporting an account from XXXX XXXX with a balance around XXXX that is fraudulent. TransUnion is not cooperating with the FCRA 605 B and are currently not in compliance with the FCRA law. I have to note that I have hired a FCRA attorney. He is advising that I file this complaint so a paper trail is present.

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 2022-04-30
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called in XX/XX/2021 to pay my student loan off I asked 4 times on a recorded line can you make sure this is the correct amount and the insured me that {$1700.00} was my remaking balance that was old to close the debt. 
2 to 3 months later the added {$45.00} to my bill how and why when I called the company spoke to a supervisor and thats the total I was giving. 
They need to remove the {$45.00} because I paid what balance was giving to me and I need this removed off my credit its there responsibility to let the consumer no the entire amount including all fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: DISCOVER BANK
State: NJ
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:
the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018

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 2022-04-30
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

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 2022-04-30
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information

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 2018-03-11
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
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:
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our XXXX credit reports include the following new inquiry : MICROBILT XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " microbilt '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with XXXX, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone Microbilt at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX showing a negative payment in XX/XX/XXXX. This account was closed in XXXX of XXXX, and was never paid late. The payments were deducted from my payroll weekly and the support order was terminated due to shared custody. 

I have disputed the item numerous times and sent the payment history to Experian. It still has not been corrected on my credit report. 

I have attached screen shots from Experian, and a copy of the payment record from XXXX County Clerk of Courts.

Thank you, 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am filing a billing error dispute against Capital One Auto Finance for failure to deliver periodic statements to my address on file for the months of XXXX and XX/XX/2022. Per my phone conversation with Capital One Auto Finance 's representative ID : XXXX on XX/XX/2022, Capital One Auto Finance did not send me a statement between XX/XX/2022 and XX/XX/2022 causing me to receive a Notice of Default in the amount of {$820.00} with late fees. My concern is that Capital One Auto Finance has already reported me to a Credit Bureau and thus negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Paypal Holdings, Inc
State: OK
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I was notified b y Paypal o n  XXXX    XXXX   XXXX   that my account had been limited '' what in our experience is usually high risk ''. I called  Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that  Paypal  can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on  XXXX   XXXX    XXXX  , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used  Paypal  when   XXXX   or  XXXX . I spoke with another gentleman on   XXXX   XXXX   XXXX     who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed.  XXXX  ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all  Paypal w ill tell me is to high a lawyer.

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 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I applied for a conversion of my HELOC to a fixed rate loan due to the balloon payment coming due on XX/XX/XXXX in the amount of {$28000.00}. It took Bank of America 8 months to process the conversion with approximately 5 different processors and multiple requests to resubmit the same documents several times as a result. In the end, it was the original processor, XXXX XXXX, who was assigned once again to my file and who finally moved us to closing in XX/XX/XXXX. In the beginning, XXXX had told me to continue making payments as I had been until we closed on the conversion/modification, which I continued to do as documented on the following statements. Bank of America is reporting my payment history during the processing time as 30, 60, 90, 120,120,120, 120, 120 during the processing time. I do understand the reason they are giving, saying the reporting is accurate because the full amount of the balance was due at the time. However, due to their failure to process the application in a timely manner is not taken into consideration and we should not be held accountable. 

Having been in banking as a XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX for more than 27 years, I know that this process should have taken 2-4 weeks at the most. Eight months is totally unacceptable and we should not be penalized for the banks delay. 

I have contacted Bank of America directly and filed disputed with all three major credit reporting agencies. Each time they reply that the reporting is accurate and no adjustment is made to my credit report.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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