BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
Hello My name is XXXX XXXX, I have been dealing with an issue with XXXX and EXPERIAN for a long time now, over 2 years. I paid an XXXX bill, and settled with them. You can contact XXXX, I have letters from XXXX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. XXXX is telling me with Experian I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting Experian, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling XXXX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. XXXX Is stating they can not. I have no idea what is going on. XXXX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. XXXX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, XXXX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 recently noticed fraudulent activities on my credit report. What I have found has lead me to believe I maybe a victim of identity theft, as I did not approve any information to be used in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/22 a Bank XXXX XXXX was reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. My FTC number is XXXX. As XXXX went by, I contact a Customer Service on XX/XX/22 about the Bank XXXX XXXX inquiry. They told me they haven't received it even though which was confusing but the ladie will filed a investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the XXXX XXXX say they should receive it on XXXX/XXXX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XXXX/XXXX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor and she is saying now I need to get a letter or Form from Bank XXXX XXXX that I have to send to Transunion now to move forward. I knew something was up and the XXXX will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Dear CFPB, I have made multiple attempts to rectify this situation on my credit with Transunion via mail and online. To date, I have not received the update that I desired. 

I have sent the dispute attached below to Transunion once again this month via priority mail. I ask that Transunion is told to abide to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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:
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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 yearsXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX, XXXX and TRANSUNION are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.

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 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was compromised and I had the card in my possession. You can see my card being used by myself and the scammers at the same time in different cities and different states. I even provided the credit card company with video footage at one of the stores the scammers. I filed a police report. The credit card company still denied my claims.

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 2022-09-27
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 have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment 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 explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
I lost my wallet with my identification and social security card and someone opened accounts for school in my name getting student loans as well as trying to get auto loans now it is impacting my credit score tremendously I have tried disputing the charges with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mr Cooper loam servicer has their entire website and phone line locked down on what they claim is a cyber incident and it is now 3 days past my mortgage payment due date and I am unable to make a payment of any kind, request an update or receive any type of information. I have no proof they will honor my payment as being on time and all I want proof I will not be penalized or lose my home as I am wanting to be on time with all payments. 

There is no possible way to speak to anyone for any confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
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:
Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but Equifax refuse to correct it or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 


Delete these fraudulent items.

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 2023-05-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Money was removed ( XXXX ) on XX/XX/XXXX, from my bank account and sent to a merchant I no longer was doing business with and I discontinued recurring charges to my account from ALL the merchants I did business with through PayPal. The transaction was done through PayPal who refuses to take responsibility and blames the error on the merchant claiming it was basically business as usual. I filed a complaint on PayPal 's website and only got a lame bot response that nothing was wrong with the transaction ( despite the fact I talked to numerous customer service agents and indicated I did NOT authorize the transaction ). I submitted screenshot of the transaction as well as emailed correspondence to the merchant openly admitting that we no longer have a business relationship and despite that evidence, PayPal 's bot decided against me not to refund my money. One customer service rep admitted that merchants routinely take advantage of the loophole that allows them to reinstate recurring payments, without the customers knowledge, basically using PayPal to ROB consumers and leaves the entire process of getting the matter resolved up to the victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$710.00}

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 explanation
Consumer complaint received 2023-03-04
Company: SLM CORPORATION
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 status incorrect

Complaint:
A student loan went to collections, because I was XXXXXXXX later than expected and was XXXX during my time in school. I explained to these companies I was still in school but forced my loan into default back in XXXX. I have since tried to reconcile with the credit collections but unwilling to show its closed and it is still increasing on a monthly basis. It is showing the account as active and open when I know the original debt was closed and sold off to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe the account is invalid. CAPITAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ACCOUNTS XXXX

Company response to consumer: Closed with explanation