BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: FORD MOTOR CREDIT CO.
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 status incorrect

Complaint:
Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX, NE XXXX XX/XX/XXXX & XX/XX/XXXX Date Opened Company named above claims I have paid my balance late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I paid monthly payments late. When I did not. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased or made late payment on. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XXXX I was under a chapter XXXX which included my SunTrust Credit Card Debt. According to a XXXX XXXX Report I pulled my credit line was XXXX  out ( see attachment A ). 
Around XX/XX/XXXX/XX/XX/XXXXSunTrust opened a totally new and different account with an {$8000.00} balance and sent me a brand-new credit card and said it was a XXXX  Account Card and that I could not use it for any purpose. I called and asked for an explanation and details of charges and was told it would be mailed but it never was. SunTrust is not able to provide an explanation of charges in writing nor by phone. Over the past ten or so years I have called to dispute the charges and I was told things like If you disagree then why are you still paying on this. The last request was made XX/XX/XXXX, Request for Records # XXXX, Ive yet to receive a single statement. I requested a settlement of my unpaid debt at {$1400.00} ( 20 % ) of the balance due of about {$7500.00}, there response was {$5500.00} which is 75 % of the balance due. 

credit Card Account # : XXXX I was told that there are three other accounts ending in XXXX, XXXX, and XXXX that are attached to this account but no explanation could be given as to why. I have been paying on this debt of {$8000.00} for 14+ years, often times above the minimal requirement as my statement shows ( see attachment B and C ) the balance as of XX/XX/XXXX is {$7200.00}. 
My statement dated XX/XX/XXXX ( see attachment C ) shows that I paid {$1400.00} in financial charges in the year XXXX. Even if I only paid the minimal payment of {$140.00} for twelve months that would = {$1700.00} minus {$1400.00} in financial charges leaving {$310.00} to go toward the principal in one year alone but according to SunTrust Ive only put about {$750.00} toward the principal in 14 years. 

Credit Card Bill of Rights states Credit card companies must denote clearly on your bill how long it will take to pay off your balance when only paying the minimum amount and how much you would have to pay monthly in order to be at XXXX balance within three years. My statement does not, please see my attach monthly statement attachment B and C.

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 2023-07-13
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom It may concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on my account During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
1.Experian Credit Bureau : Has been Reporting inaccurate Fico Scores & since XX/XX/XXXX to XX/XX/XXXX in the range of XXXX, While XXXX and XXXX Credit Bureaus have been reporting my FICO Scores i the range of XXXX XXXX. 
2. Experian has been consistently charging my credit card {$30.00} per month and has fraudulently been unable to provide me quarterly annual reporting on three major credit bureaus ; XXXX, XXXX and Experian since XX/XX/XXXX to XX/XX/XXXX. 
3. Dated XX/XX/XXXX, Experian failed to provide me identity theft protection services as guaranteed and contracted in my $ XXXX  monthly fees from XXXX XXXX XXXX. 
4. To date there is an account XXXX XXXX that was a result of identity theft filed in XXXX and Experian has failed to remove this from my credit report account. 
5. Experian Refused to refund me my monthly fees and provide me with accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrong amount in debt I have no debt nor acknowledge of the debts why is it still on my account fraud identity theft

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 2019-02-11
Company: Experian Information Solutions Inc.
State: MS
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 initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with Experian. XXXX would not allow me access to my report. I have been denied credit because of this.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: TN
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:
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 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 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 2021-01-04
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 an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-03
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was searching the web for a set of XXXX XXXX XXXX XXXX for a XXXX XXXX and came across a website called XXXX which had them listed for {$44.00}! I went to purchase the item using PayPal to protect my credit card information. When the information on PayPal to complete the purchase was show the payee 's information was different than the information shown on the website for XXXX. Information shown on website says the owners name is XXXX XXXX but the name shown on the PayPal website is XXXX yet the email address shown for XXXX  is XXXX not the one shown on PayPal also the item is shown on PayPal as XXXX XXXX! The XXXX is shown as the the SKU number for the pickup listed on XXXX  website but on PayPal it didn't show the items as XXXX  XXXX XXXX XXXX  XXXX it showed XXXX  XXXX I did not have any idea what a XXXX  is unless it is a XXXX  knock off. I also noticed that on the XXXX website contact information there is an address shown but the street name is missing a sure sign that it was a scam site. 

Upon seeing the information on the seller shown on PayPal did not match the information on the website I closed the browser to prevent any type of down spyware or malware being downloaded to my computer. At no time did I click on anything to complete the transaction because I believe it to be a scam website! A little while later I was checking my email and found an email stating that there was a PayPal charge for the purchase. I contacted PayPal and told them I never made the purchase yet a few hours late I get a reply form PayPal stating based on my purchase history I did make the purchase, yet I have received no order conformation to show this purchase was made from anyone or company other than PayPal!! And at no time has PayPal contacted me asking for any more information or anything else just they have concluded I made the charge. I see nothing to show they contacted the business! 

I went to went to appeal this following the directions on PayPal 's website and provide screenshots of the information showing the XXXX website information is different than PayPal and there is no way to appeal it! I did send an email to PayPal concerning this including the screen shots and have heard nothing bac. Also it appears that after PayPal decided that I did make the charge they again charged my account again to the same seller for the same amount!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account were closed active resonate all been XXXX in the account at the time of closed

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 2021-09-09
Company: Figure Technologies, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for a XXXX loan with this place. Went through the entire process. Was approved and the final thing that need done was possible employment verification and a phone call to confirm I was who I say I was. Got a call the next day and was told my amount was reduced to XXXX. Said the income amount of XXXX was not enough for the loan amount I requested. That would have been 5 year loan, with XXXX  monthly payment. Credit score was not an issue, debt was not an issue, income was not an issue. They totally fabricated the reason they gave that my income was not enough to qualify for the XXXX. This is a total lie and not a valid reason to be denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank allowed a third party to cash ten ( 10 ) post-dated checks against my checking account in the amount of {$100.00} each. When I pointed out this error to them immediately, they acknowledged the mistake but said there is nothing they can do about it. This is true despite the fact that the checks all had improper dates on them on their faces. I spoke to many representatives at Citibank who could not resolve my issue. Most recently, on XXXX to someone who described himself as a manager, but who would only give his first name ( XXXX ) and employee I.D . number ( 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 2019-04-09
Company: Ocwen Financial Corporation
State: CA
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:
In XXXX, OCWEN Loan Servicing, LLC incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the OCWEN Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and XXXX have not bothered to fix it despite OCWEN sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) OCWEN is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 2021-01-04
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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