BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

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. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights.

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2018-06-03
Company: Experian Information Solutions Inc.
State: MO
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 disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.

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 2017-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I tried repeatedly -- maybe 20 times -- to create a credit security freeze and to access my credit report at Experian.com. Their website often reported that their own links could not be found. Several processes did not work in a variety of ways : the security freeze process, the process to upload documentation, the registration process, the process to request a credit report. In short, NOTHING that I 've tried over several hours over the past 2 days worked as their website indicated it would. For an organization as large as Experian with as much impact it has over the lives of U.S. citizens, this seems to me to be gross negligence.  Indeed, I suspect they are deliberately not allowing security freezes in the wake of the XXXX hacking, solely to protect their own business interests. Having been responsible for a consumer website at a large financial institution, I can not believe that their technical staff could be this incompetent.

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 2021-04-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 PayPal closed my account for no specific reason. They have frozen my funds also which is {$23000.00}. I have not been able to get help from them and I just remembered I could file a report on here. I feel they are not doing their job properly and holding my funds unjustly and it is effecting me a great deal. I have XXXX  kids and with XXXX  and the frozen account it is making my life very difficult. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with nissian financial and they reported 30days late when i already traded my car in and I have paper work showing that my loan on the new car didnt go through two thats I was late but it was not my fault because the car dealership was suppose to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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 belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-01-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a debt listed on my credit report. I sent a simple debt validation letter that was received by United Revenue Corp on XXXX. On XXXX, I received a response stating who the debt was allegedly from. In response to the letter, I replied with the this letter ( attached- URC1.pdf ) sent to United Revenue Corp XXXX XXXX XXXX received XXXX. They have not responded. I have never seen this Physician, been to this alleged medical facility, etc, Please delete this false information from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: TN
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:
On XXXX XXXX, 2017, I found out by social media that Equifax was hacked and had almost 143 million Americans ' personal information compromised. I checked on Equifax 's site and saw that I was one of the affected. I went ahead and froze my credit accounts for all four credit bureaus ( Equifax, XXXX, XXXX, XXXX ), as well as place a 90-day fraud alert on my accounts. 

I am very disappointed in Equifax. For a company to carry such crucial information and to not have any proper safeguards to prevent against such an incident is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XX/XX/XXXX I made no written agreements to add this to my credit reports. 

XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.

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 2017-08-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Old information reappears or never goes away

Complaint:
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.

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 2019-07-29
Company: Experian Information Solutions Inc.
State: NY
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, I am currently applying for a mortgage and i need a fraud alert found on my Experian credit report removed. 

I on XX/XX/19 i mailed to Experian a request to remove the fraud alert. I enclosed with all the documents needed XXXX copy of SS card, Proof of address, Photo id ) but my mortgage broker re pulled my credit report today and the fraud alert was still showing.

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 2022-01-17
Company: Penn Credit Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Penn Credit Corporation is report FALSE information to XXXX and possibly other credit monitoring agencies. I noticed Penn Credit just faced a class action lawsuit and I guess I am just another one of their victims. The amount owed is incorrect and I am currently paying on that amount. I have also applied for assistance with the debt as it is a life-sustaining right to have electricity in the desert of XXXX. I have asked Penn Credit to fix this issue multiple times but they do not do so. They should be held accountable for harming people 's credit during a global pandemic ... Not to mention profiting off the misery of other people, this is disgusting and inhumane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with XXXX and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and XXXX did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX   Remove this now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Home Loan Center, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to purchase my leased vehicle. I went to XXXX  XXXX and they listed several loan providers and I selected XXXX. I submitted the proper paperwork and was approved for a loan. The loan buy out was XXXX. I originally wanted the full amount but then decided on putting XXXX down on the loan. I wired the {$10000.00} to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX. on XX/XX/2018 XXXX. I was notified she received the money and I haven't heard from her since. 
I attempted to contact XXXX XXXX at XXXX and XXXX. With no luck. 
I contacted lending tree and they issued a complaint. The XXXX  has been notified and The Attorney general office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NY
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  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I have a TD bank card, I have numerous times paid with a new checking account and have asked them to change from the old bank account, of course they don't. I have tried to login on multiple times and looked to reset my username and password. It shows me a screen that asks me to call a number XXXX XXXX XXXX XXXX. When you enter your card number it hangs up on me after wasting 5 minutes of my life here on earth. TD bank and Target have the worst credit card system out the many cards I have used. I think both are not capable of handling credit cards systems ( just my personal thoughts ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Letter to Equifax : XXXX : XXXX XXXX Corporate Wrongdoer Maneuvers in Memory ' : Equifax Forces Potential Victims to Give Up Legal Rights https :  XXXX In light of the security breach of 143 million credit files which we not informed of by Equifax, but found out about through media outlets six weeks after the  fact, are you offering any free access to our files -- without our being forced into Arbitration agreements? 

No burden should be on the shoulders of the public, since this was wholly a fault of Equifax through a failure to protect our records. As a result, we should be informed, from you, as to whether or not we were victims -- not the other way around. Also, we should not have to be victimized ( possibly further ) through unscrupulous legalese setups. 

The onus should be completely yours. Moreover, it is only ethically straightforward that free ( current ) credit reports to all 143 million victims would be offered, without any strings or entanglements. 

Looking forward to your response,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Failure to perform an investigation per fcra regulation

Company response to consumer: Closed with explanation