BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

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 2017-06-01
Company: Experian Information Solutions Inc.
State: MD
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 tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

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 2022-08-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 I submitted to Equifax an application I received from their website to place credit freezes on my XXXX  XXXX childrens ' accounts. The application and an FAQ on Equifax 's website directed me to submit the form via mail and to include supporting documents with the application, which included copies of birth certificates and social security cards for myself and each of my XXXX  children, which I did include. I sent this information via certified mail on XX/XX/XXXX and per the USPS it was received by Equifax on XX/XX/XXXX. 

On XX/XX/XXXX, I received letters ( one for each child ) from Equifax telling me that they were unable to process my requests to place the freezes. The letter does not say why they were unable to process the request. The letter asks that I submit additional information. I had in my original application supplied the required documentation. Both the application and the FAQ from Equifax website clearly state that the information I originally provided was sufficient ( birth certificate and social security cards ). 

I attempted to resolve the issue by calling the Equifax phone number provided in the letter. My first call was not resolved because the agent I initially spoke to was transferring me to a supervisor, who did not pick up the line. I was on that call for 30 minutes. My second call also was not resolved when the initial agent was to transfer me to a supervisor and also call was not picked up. That was a 20 minute call. The third call I made the initial agent refused to transfer me to a supervisor. Another 20 minute call with no resolution. In all cases the agent only referred me to the letter I received in the mail and instructed me to submit more information. In all cases the three agents had heavy foreign accents and did not seem to comprehend the issue or questions I was asking, why I asked for a supervisor each time. 

Is Equifax intentionally misleading in their information on their website, by not providing clearer instructions? Why is this process so difficult when it is so important to protect my childrens identity? Is Equifax more incented if there is future fraud on my childrens accounts versus protecting them now? Should I be comfortable providing personally identifying information to overseas customer service agents?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tri ed on 3 diffe rent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have not received a contract or any do cumentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all  XXXX  of these accounts. Under the FCRA 611 ( a ) I also requested the  method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rig hts. On 2 sepera te occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/22 - I was notified by my local postmaster that a temporary change of address was processed in my name on XX/XX/22. The postmaster cancelled that request on XX/XX/22. 
XX/XX/22 - I ran my credit reports and found a hard inquiry ( on XXXX ) by JP Morgan Chase Bank for a credit card on XX/XX/22. I contacted Chase, and they closed the account. 
XX/XX/22 - I checked XXXX again and found another hard inquiry by XXXX XXXX XXXX for a credit card on XX/XX/22. I contacted XXXX, and they closed the account. 
XX/XX/22 - I contacted all three credit reporting agencies and put a freeze on all of them. XXXX recommended I file a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: MD
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 sent 2 lette rs requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to n agate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this claim must be inves tigated properly and efficiently.

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 2021-11-17
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX of last year when my husband 's XXXX came through we needed a spot to deposit it. I chose my PayPal account. When the money was deposited the account was frozen. I contacted PayPal and they told me that my account was under review and would be that way for a standard 180 days. They have since opened new reviews extending that deadline. We are now at almost a year later and they are still holding the account XXXX. There is over {$9000.00} in the account, mostly XXXX  money, and it's time they released their hold of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the XXXX and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: AMERICAN EXPRESS COMPANY
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX to present XX/XX/XXXX. Account take over by company other 3rd party, & lowered credit transactions today XX/XX/XXXX without notification on reason & why the card was lowered.Specific issues: 1. Credit card taken over by 3rd party.2. Fraud on the card.3. Not allowed to access statements at all for 3 1/2 years.4. Failure to produce bank statements, resulting in late fees access due to not having the correct balance or payment amount per month for 3 1/2 years.5. Notification is rerouted to a 3rd party for 3 1/2 years to the so called "security department failing to explain each time why the call is rerouted to the so called "security department."8. I didn't received advertised interest rate & was not sent. 9.Trouble using your card (making purchases, credit limit reduced for no explained reason 10. Problem with a purchases never receive billing statement even though requested weeks ago, yet I am required to pay no matter what and I am going to stop payments after 3 1/2 years.. (billing dispute, fraud, transaction issue) 13. Problem when making payments 14. Problems with the terms & condition & lowered credit amount. 15. Problems with credit privacy issues someone has taken over the card from the best of my knowledge. 16. Problem with credit report or credit score for the above reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to nagate my request and is in a violation of my rights. Under the FC RA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this clai m must be investigated properly and efficiently.

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 2017-06-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Based on Experian Report Number XXXX ; dated issued XX/XX/2017 the following information is completely incorrect or erroneous : On the top right side of each page where it says " Prepared for : XXXX XXXX '' is incorrect. I have been trying for months to have this corrected since my real name does not have a first letter " XXXX ''. The correct first letter is " XXXX ''. I repeatedly state that my official name is XXXX XXXX but Experian refuses to correct this. All Experian has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms me every time a potential employer, creditor or bank looks at my credit report. Experian is forcing me to be someone that does not even exist ( I checked XXXX ) hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine and appears on every single page of my 22-page 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am purchasing a used vehicle, the loan amount is supposed to be XXXX when I spoke to the loan company in XXXX of 2021 they informed me that not long after they received my original paperwork there was another set of paperwork sent to them by the dealer ship with an additional {$5000.00} attached to it. I never signed a XXXX set of paperrs and the dealer ship has not fixed an issue with the vehicle that they were aware of when I left the lot they had me take it to their collision center where they took photos of my vehicle and was promised to fix it that was a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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: Account information incorrect

Complaint:
Based on TransUnion File Number XXXX ; dated issued XX/XX/2017 the  following information is completely incorrect or erroneous : On the top left side of each page where it says " Consumer Credit Report for : XXXX XXXX XXXX '' is incorrect. I have been trying for months to have this corrected for months since my real name has NO middle initial. I repeatedly state that my official name is XXXX XXXX but TransUnion refuses to correct this. All TransUnion has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms every time a potential employer, creditor or bank looks at my credit report. TransUnion is forcing me to be someone that may not even exist hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine appears on every single page of my 10-page report. <P/>Further, TransUnion refuses to remove an unauthorized SECURITY ALERT on page 10 of 10 of my credit report. This security alert was initiated by mistake by XXXX. Both XXXX and XXXX took this off but TranUnion refused because they said it originated from XXXX XXXX which is untrue. Again I would like CFPB to intercede in this matter to correct it,,, it again needlessly harms me with my student loans, etc.

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