BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have had a ton of fraud on my paypal account and after getting everything fixed, accounts closed and reset with no help from paypal becuase they do not offer support my account is now suspended ( after fixing myself ). In order to resolve they are asking to resent my password which I have done countless times, verify my identity which I have done, upload a copy of a bill, and then provide a copy of my drivers license. 

For a company that has zero support and no one to talk to, asking me to upload a copy of my ID is a joke. I refuse to send them a copy of my ID when they have no accountability for anything they do. 

I have asked for alternatives to get the account unlocked so I can get my money out of there and close the account but to no avail. There is not a lot of money in there but they might as well be asking their customer to just provide their SSN, DL, date of birth, mothers maiden name, and blood type to sell to spammers. 

I'm sure there is nothing that can be done and I will lose the little bit of money that is in there but I would rather not have more fraud in my life from a company that I know has a horrible reputation. If you can help that would be great or if they want to see my ID I would be more than happy to show it but I am not uploading it for them to keep forever. PayPal really should be shut down and prohibited from operating in the U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I had owed a private student loan through Navient ( at the time Sallie Mae ) and had unfortunately defaulted on it about 12 years ago. I never since made any payments and the statute of limitations for suing has passed. On top of that, I had a bankruptcy discharge in XXXX of 2016 which included everything that was eligible at that time including this loan. I all of the sudden am now getting calls constantly from a collection agency stating I am still responsible to pay this loan back. When they speak with me, they have used threatening language that I believe is attempting to trick me into renewing the statute of limitations and agreeing that I still have to pay this. I spoke with a supervisor a few weeks ago and she actually hung up on me when I told her that I do not owe this loan due to the bankruptcy. I want the harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 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.

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 2023-08-22
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what XXXX XXXX XXXX is nor have I ever had an account with this company

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 2023-09-29
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 6 Federal DIRECT student loans ( subsidized and unsubsidized with one consolidation prior to employment ). I continue to struggle to get my PSLF fairly counted. The past complaint response was misleading and the servicer at that time stated they gave me credit for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- onwards with the CFPB, but they did not apply it to all loans. Now MOHELA is being deceptive by applying forbearance periods to each loan differently to prevent me from getting 120 payments. This is blatantly obvious by the fact I received PSLF forgiveness for Loan # XXXX but not for XXXX # XXXX - XXXX. Upon checking the StudentAid.gov website, I confirmed the following facts below, which supports my complaint. 

IG = Grace RP = In Repayment FB = Forbearance Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX ( same as # XXXX ), and the rest of dates matches Loan # XXXX ( 120 PAYMENTS ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, and FB XX/XX/XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX with exception of RP entering XX/XX/XXXX instead of XX/XX/XXXX for some reason ( THIS NEEDS TO BE FIXED AS WELL BECAUSE MOHELA ONLY CREDITED ME 114 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Consolidated Loan # XXXX ( Disbursed XX/XX/XXXX ) - XXXX XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, and the rest of dates matches Loan # XXXX ( THIS LOAN IS CORRECTLY PSLF FORGIVEN WITH 120 PAYMENTS ). 

I called MOHELA today, XX/XX/XXXX and attempted to get this resolved with the agent but they did not provide me with a clear path forward and shifted responsibility on the DOE and kept referring me to StudentAid.gov. The agent also claimed the DOE is " still '' reviewing PSLF cases and did not give me any indication my account was under review and refused to connect me with the manager. I can not find anywhere on StudentAid.gov to submit a complaint or request for a review of my account. 

Lastly, to add insult to injury, MOHELA hid/deleted my Loan # XXXX information and my forgiveness letter received on XX/XX/XXXX, as evidenced in the screenshots. They are doing everything in their power to prevent PSLF forgiveness.

Company response to consumer: In progress
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XXXX sent a letter to TransUnion disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/21 I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XX/XX/21 Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XX/XX/21 XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to TransUnion showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay thousands of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2022-07-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me frequently about 34 times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.

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 2022-08-15
Company: EQUIFAX, INC.
State: SC
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:
Regarding my consumer report with Equifax, I have come to recognize errors in accounts that are shown on my report. As listed : XXXX XXXX XXXX XXXX XXXX ( listed as a closed charge-off. Balance of {$340.00} ; Past Due Balance of {$450.00} ; Date Reported - XX/XX/XXXX ; Date Opened - XX/XX/XXXX ; Date Closed - N/A XXXX XXXX XXXX XXXX XXXX  listed twice ) a ) Status Unpaid ; Owed - {$170.00} ; Date opened - XX/XX/XXXX Status Date - XX/XX/XXXX b ) Status Unpaid ; Owed - {$150.00} ; Status Date - XX/XX/XXXX There are other accounts on my credit report that are not listed here in this list that I wish to have reviewed, considering Equifax 's most recent data issue. I would like for the above-listed items to be corrected and removed, promptly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized inquiries need to be deleted and removed from my consumer reports Experian : EXPERIAN : 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 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 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item removed.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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:
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX  : # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.

The CFPB will take steps to remove my personal information from this description but someone is still able to identify me. Learn how it works. I consent to publishing this description after the has taken these steps.

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 2023-05-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing in regards to the erroneous accounts that ive disputed from my CONSUMER REPORTand ive yet to get a response from the company in question.Its been over 30 days and they have disregarded my dispute and account in general this needs to be taking care of quick my consumer report report multiple violations across the profile in total disregard.

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 2023-01-17
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: American First Finance, Inc.
State: IL
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American First bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX XX/XX/XXXX which was not authorized. An official dispute of this activity was sent to American First certified mail with return receipt XX/XX/XXXX however a recently reviewed credit report XX/XX/XXXX still listed the American First inquiry under XXXX. American First is now in violation of my client 's federal consumer rights as they have continued to report a fraudulent related item after receiving official information to conduct a proper investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Resurgent Capital Services L.P.
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 opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation