BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX my SSN is XXXX and my DOB is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court Important dates Original filing dateXXXX XXXX XXXX XXXX  Latest status dateXXXX  XXXX, XXXX Additional details Reference numberXXXX Record typeXXXX XXXX bankruptcy discharged CourtU.S. Bankruptcy Court XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.

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 2023-01-20
Company: EQUIFAX, INC.
State: IL
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 my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02
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: Reporting company used your report improperly

Complaint:
I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The essence of my complaint is that my CONFIDENTIAL account information was provided by PACIFIC PREMIER BANK to an outside, unrelated third party which caused a deposit of funds into my account that were not mine. 

Following this, the problems ensued trying to return the money to the rightful owner, which rather than facilitate the return, Pacific Premier Bank made the situation worse and delayed the return of funds for nearly one month. During this time, Pacific Premier Bank froze my business banking checking account and prevented access to my funds. 

This was compounded by the gross negligence of illegally freezing my account for three weeks! 

After this experience, I moved to a different bank and incurred costs for the change to a less desirable bank that is further from me. In addition, I incurred {$1300.00} of costs ( {$1000.00} legal expenses ) to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have provided the company with copy of Email sent from the company showing the amount tht was due was paid in full. The company is still trying to collect payment. the company have placed the balance on 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 2022-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: OH
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 am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with Equifax, but both XXXX and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. Equifax has removed the Public Record of the Bankruptcy I was forced into by my XXXX and the student loans I was forced to take by my XXXX I can not get the other bureaus ( XXXX and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically Lendmark Financial as the company entitled to enforce this reporting to my credit. 
Company : Lemdmark Financial Account Number : XXXX Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 
According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}

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 2023-03-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In reference to previously submitted complaint XXXX Mr. Cooper indicated that the fee they are charging me is a recast fee that was provided by XXXX XXXX  XXXX However, I have a statement from XXXX XXXX  fromXXXX which shows that that fee was previously paid and therefore Mr. Cooper should not be charging me for a fee which I had already paid ( four years ago! ). Please reopen the previous complaint as not resolved or re-addess this issue in this one indicated that I I owed no balance to XXXX XXXX  and thus owe no recast fee to Mr. Cooper. Update my account with Mr. Cooper appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
US DEPT OF EDUCATION is stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$6700.00}. This needs to be investigated and removed as its hurting my credit history and report. 


US DEPT OF EDUCATION is also stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$3800.00}. This needs to be investigated and removed as its hurting my credit history and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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 status incorrect

Complaint:
A late payment has been added to my account 3 times erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: VYSTAR CREDIT UNION
State: FL
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:
I had fraud charges hit my Vystar debit and credit card in XXXX this year. I immediately reported the fraud the same hour. I asked them to stop all transactions, All but XXXX of these transactions were still pending when I contacted Vystar. 

Vystar reimbursed me on my Debit Card XXXX and my Credit card XXXX These charges were from XXXX, I believe they were from XXXX XXXX, XXXX After 30 days Vystar reversed the XXXX credit on my debit card saying I gave access to my computer and therefore the IP address. I explained to Vystar that I was led to believe it was a legitimate streaming service and it was a technician helping me with a problem on my streaming service and gave access to my computer under false pretense. 

They then refunded me the XXXX charge once again Then 60 days later Vystar took back the XXXX credit they had given me on my credit card for the same reason. 

Again, I explained to them what happened but the fraud manager refused to give me back the credit and then froze my debit and credit card stating I was a security threat. 

This happened one time and over 3 months ago and now they chose this action on me. 

I simply want to be refunded the XXXX they initially credited to me 3 months ago They refused to work with me on this matter. Not only is their a wrongful XXXX in charges on my credit card but I am getting hit with huge interested charges on it. 

Thank you and I hope you can help me deal with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Account status incorrect

Complaint:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( Experian, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a XXXX to confirm your authority to act? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against XXXX and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, authorized rep/agent/living beneficiary/grantor all rights reclaimed and reserved.

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 2023-06-08
Company: Debt Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation