BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The Company Is Experian. 

I have been disputing an account with XXXX XXXX XXXX, for years now. 

Each time, it seems like all they do is reach out to XXXX XXXX XXXX via some automated system and then take their word for it, despite providing proof that the company was not reporting accurate information. 

The past time, XX/XX/XXXX, I spoke with someone on the phone in the Disputes department for over an hour we went through all of the documentation, including results of my CFPB report about XXXX XXXX XXXX and the advised that they would be reopening the dispute and requesting that the account be removed from my credit report, due to the fact that I had a letter from XXXX XXXX XXXX admitting the account was supposed be in Closed and Charged off since XXXX and XXXX XXXX XXXX was still reporting it as Open, Late, and Increasing the amount owed on the account each month. He even escalated the issue and reviewed it with his supervisors to ensure it was the correct path of action to take. 

Despite this, the dispute came back this morning, marked as " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' and they once again increased the amount owed on the account. 

At this point it seems like they just rubber stamp whatever the company reporting to them says, and they actually don't may any attention to what is really happening.

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 2019-02-19
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX  credit file. It has been removed from XXXX  and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX XXXX and XXXX XXXX Property : XXXX XXXX XXXX, XXXX XXXX , FL XXXX We've tried to get information from the original modification loan contract that would confirm we have to pay late fees accumulated prior to the modification loan contract. But to date, no one has provided us with contract language advising we would have to pay those late fees that were accumulated prior to the modification loan in XXXX. 

Since doing a new contract in order to keep my home in XXXX of XXXX, I have been transferred to different Mortgage Companies multiple times. Once again our current mortgage company, XXXX XXXX XXXX, has stated it has joined forces with PHH Mortgage Services and they are consolidating all mortgage accounts into one company, PHH Mortgage Services ( " PHH '' ), effective XX/XX/XXXX. They are also, once again trying to charge me for late fee incurred prior to this Making Home Affordable loan in XXXX. 

To date, none of the mortgage providers have provided anything written in the XXXX Making Home Affordable loan stating I have to pay these fees. ( It was the whole reason we were giving up our home, because we could not pay all of the fees and high mortgage payment. ) This Company is now apparently, threatening to add accrued interest, after 10 years of consistently not providing any evidence that I owe these fees after the new loan was processed in XXXX. 

We approached them about this after the attached documents were received, but again they sent old print outs from before XXXX 's loan and did not produce contract language saying we were responsible for the fees in the new loan of XXXX. 

Please have them either produce the contract language advising we would have to pay the late fees accrued prior to the XXXX new loan, or get them to stop harassing us with fees that no longer apply to our new loan. 

We are not of an age or the kind of health that allows us to come up with such an amount in a months notice. Thank You so much for your Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: STATE FARM BANK, FSB
State: SC
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:
I recently refi my home to pay off all my bills the closing lawyer contacted all the credit card companies to get the payoffs and the dates I then sent the checks with tracking numbers to state farm bank and it was a over payment of around XXXX dollars. State farm then charged a additional interest charge on top of the payoff amount they had given to the closing lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I recently disputed an unrecognized and unauthorized debit of XX/XX/2022 in the amount of {$17.00} in my Venmo account and received credit accordingly. However, despite my replacing the account debit card, changing the account password, and reviewing all recent transactions, Venmo froze my account and I has not reinstated it despite my numerous requests. As I have recently provided my Venmo information on customer correspondence and invoicing, I suspect some customers have remitted payment by Venmo, sone of which would be significant, e.gover $ XXXX. Consequently Venmo may be taking time to verify these payments but should certainly reflect them online, rather than eliminate them from reporting altogether as they are doing today. Almost seems like they may be attempting to keep the money off themselves

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: BARCLAYS BANK DELAWARE
State: PA
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:
On XX/XX/21 contacted XXXX about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( Barclay ) was reporting it. Started a dispute w/XXXX  about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to Barclay. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address Barclay EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from XXXX, with the same address on there! They did edit it to say FL XXXX as well. XXXX also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the Barclay and/or XXXX showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting new lines of credit to enhance my family 's financial position and well being. These inaccuracies are also preventing me from the ability to get funding for my business.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2023-09-19
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Third Federal bank reported a very small amount of {$5.00} 30 days late when payment was made exactly 30 days after the initial payment was due. I made a payment of {$320.00} on an estimate of rising interest rates, when the statement was later received, it was already too late to adjust the outgoing payment, so I added on additional funds to the next months payment to cover it understanding that it would simply cover the missing amount. The company has offered no remedy or leeway. I have never been late paying this bank or any bank for that matter and they have refused to offer a grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A prepaid Paypal XXXX. I tried to activate it and it asked me to call ( XXXX ) XXXX when I called this number they said they were unable to activate the card, link the card to my Paypal account, give me a refund he told me he worked in a call center in the XXXX. This card goes to XXXX. XXXX card was offered to me once when I went to a check cashing to cash a check. When trying to cash a check they asked me to register with that location so I could cash checks I gave them my social security number name address and they also registered me for a XXXX I refused the XXXX put charges to a card I refused and to this day I'm in their system. I need XXXX to clear this up and remove me from their system. I never used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-02-02
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Company is CBV Collection Services. 

XX/XX/XXXX ( while in emergency hospital care with my daughter ) : Times : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 

All phone calls. I called back XX/XX/XXXX at XXXX and told them to take my number off the system and to stop calling and to contact me by mail only, the woman refused to and stated that it requires manager approval, I stated that was unacceptable and quoted harassment which was a violation of the consumer protection laws of XXXX. 

If they call me again, I will file criminal harassment charges, I had to block 7 different numbers already and they just keep auto calling with their system. If I answer it stays in call and empty for 4 seconds then hangs up again. 

Again 1 more bloody phone call that wakes up my SICK daughter with a XXXX XXXX, and I will pursue this to the fullest extent of the law and sue them for every bloody penny they are worth!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-06-26
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX years ago I took my Grandson into XXXX XXXX  in XXXX XXXX to open a savings account with his graduation money. I asked if they charged a monthly fee and was told no if I kept at least {$300.00} in my account. The name was open in XXXX 's name and I was also on account. We deposited {$1800.00} in XX/XX/XXXX and left it in until XXXX XXXX. When we went to withdraw the money, it was only {$1700.00}. When I asked why, I was told there had been a $ 4 monthly fee charged to the account. I told them that was not what I was told. The man said he had to get ok from bank XXXX to refund the {$72.00} in fees. After a week, I was told they would not refund the fees. They gave me phone number for XXXX customer resolution person. I called and explained situation. I was told they would get back with me. After almost 4 months of trying to talk to person who was handling my case, she finally called and told me XXXX XXXX bank was not willing to refund my money, so case was closed. 
The only paperwork we received when opening account was paper showing how much we were depositing. The whole time we had the account, we never received a statement. They said they had mailed them to us, but we never received anything. The only correspondence we ever received from XXXX XXXX, was XXXX in which they inquired if our account was still active and if so, we had to sign and return the letter, which we did. I would never have put my Grandson 's graduation gift money into an account that charged a fee. The lady that opened this account has since retired, but I was told by bank employee that they have had other problems with accounts she opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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:
Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. On 01/03/2023 I filed a dispute to the Equifax Consumer Reporting Agency that the accounts DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) and DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Equifax investigated the dispute , Equifax did not remove the outdated account, which has sustained the potential for DEPT OF ED/XXXX ( XXXX XX/XX/XXXX ) and DEPT OF ED/XXXX ( Opened XX/XX/XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my credit score to get the best available terms on future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: WA
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 been disputing the validity of the XXXX XXXX account that is being reporting on my Experian credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Experian credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which states that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. On XX/XX/XXXX, I received an email from Experian stating my request was denied and the disputed account was verified and updated. How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? I would like this account to be deleted ASAP.

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