BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Ability Recovery Services, LLC
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:
XXXX XXXX XXXX has been on my credit report for years for a debt from XXXX XXXX XXXX, however, I notice that they keep re-aging the open date of the collection accounts causing this to never disappear from my credit report. I called the offices of XXXX XXXX XXXX and they immediately denied any wrongdoing after I advised them that re-aging collection accounts is a highly illegal practice. They agreed to send me any documentation in regard to the liability of the account as well as relevant collection information. The rep advised me that the service date was back in XXXX, but none of the collection account information is listed that far back, it's all new information from a few months ago and this information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/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 2021-03-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My wife ( XXXX XXXX ) received settlement from XXXX XXXX XXXX in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face with PayPal stealing our money. I have already submitted the requested documents to Paypal and recieved and email staing they will be holding my {$8500.00} for 180 day/6 months! This practice is unexceptable and something must be done about this! I cjoose Paypal as an option and this was a bad choice! Paypal is not a bank its an App os this type of pratice should be out lawed and regulated! I dont need Paypal to hold any money for me my wife and I were entitled to this money from XXXX XXXX due to a Car accident we were in. This was my wife ( XXXX XXXX ) settlement check she opted to have sent to her via Paypal! We are in jeopardy of being evicted and due to the Pandemic our jobs and business has slowed up. Causing or bills to get behind. Our family REALLY need this money! So please help us fix this problem and Reinstate my account so that we can have access to the money {$8500.00} that rightfully belongs to us NOT!! Paypal!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XX/XX/XXXX credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. 

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect 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 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 2021-06-15
Company: PENTAGON FEDERAL CREDIT UNION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My old credit card was lost/stolen and the balances from that were moved to a new card number. As a result of that transfer, my rewards points ( {$47.00} accrued till that point ) should have been transferred over to the new credit card as well. The PenFed system charged me interest even though I was on AutoPay. That interest issue was resolved, however, the rewards issue has still not been resolved despite multiple calls and even an assurance provided to me by PenFed after a prior CFPB complaint. I even called and described this in a very long and elaborately detailed call with PenFed less than 2 weeks ago and I was informed that a ticket was being opened to address the issue and they now knew what was wrong. Today, I called and there was no clue about the issue on PenFed 's end. I am not sure what is going on.

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 2019-09-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because I cancel the {$24.00} paying membership with credit reporting agency Experian they have allowed all type fraudulence activities in my account. They have been stressfully sending me bad information as alerts on a daily basis via my emails and text alerts through their controlled app in my phone. They are purposely reporting negative credit informations to all U.S consumers.

Most recently they have allowed XXXX XXXX XXXX XXXX access to pull my credit, installed a advance loan on my name with out my consent and now allowing XXXX to reporting vehicle repossession on my name with in the same exact account that I was never late paying not even 1 time. 


They have block my phone number to access their customer service support team because they all out of the country. I can not get through their phone lines nor email to dispute anything about my own credit files. 

Experian is also acting like XXXX  affiliated company, running XXXX  style of operations toward American U.S.A consumers. My data files has been breach by Experian themselves no out siders but hacked with in the Experian company. I don't feel Experian is legit enough to have access to my credit files as an American leaving in the U.S. I Placed a lock on my credit file it was removed by experian just to give criminals access to my credit files. 

I am a resident of the State of Massachusetts i'm sure my laws are pretty clear when it comes to issues like Credit bureaus like Experian. As resolutions, I want Experian to go and verify every single negative information they have placed in my credit reports from all and any company they are associated with. informations must be verified before hurting consumers. Mentally, Experian is killing Americans in the U.S.A slowly and they know exactly what they are doing to destroy Americans like me. This is war.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After several phone calls and mailed in disputes, XXXX refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on 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 2021-03-06
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello This complaint is regarding a bank I use here in XXXX Georgia its called Center State Bank or South State Bank. I lost my job from the pandemic and I have sold just about everything I own and my mother has been helping me sending me money with checks or XXXX. I also have funds getting transferred from small sales I make online. I finally just found work almost a 2 hour drive but I'm happy to have a job again. My mom sent me around XXXX $ XXXX and I thought it transferred instantly and was using my debit card. The bank charged me over XXXX $ in overdraft fees and I'm now in the negative XXXX I've been with this bank for several years and when I called to get help, they told me I was irresponsible and was then hung up on, I talked to several managers that were so unbelievably mean I don't really understand why they would pray on people that are already struggling. I can't even buy food or pay my bills right now because I can't pay these fees and my mother is in the same position we work extremely hard for our money and it's a shame that people are doing this. I'm definitely going to close my account here soon. I know Congress has sent letters to several banks asking them to not do overdraft fees and honestly I'm about at the end of my rope here. I couldn't find a job for months and didn't qualify for unemployment. I don't have any income whatsoever until I start my new job. I don't think they really need the money more then I do. I'm just trying to do the best I can for now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2022-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- XXXX  XXXX XXXX {$3200.00}, XXXX XXXX  XXXX {$10000.00} XXXX Bank of XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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:
I submitted a dispute to Experian because the information was inaccurate. I highlighted which items had discrepancies as compared with my XXXX  report and I requested that the information be removed. They have not removed the inaccurate information. Thank you.

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