BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Navient Solutions, LLC.
State: KS
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 was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXX. Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/21, my credit score on experian.com dropped by 14 points. Leading up to the drop, I received alerts indicating that my FICO score went up. The drop, therefore, made no sense since I had lowered my credit usage. I contacted Experian by online chat ( transcript attached ) and, although the customer representative was pleasant, she didn't properly express the reason for the drop in the score. If you look carefully at the chat, you'll see that the rep used a canned reply about the decrease ( she couldn't have typed her response that quickly and this tells me that the problem with consumers is not that uncommon ). 

Experian has some premium services that you can sign-up for to increase your credit score. I don't use those premium services and shouldn't have to as long as data/activity is correctly reported. 

Thanks for looking in to this matter!

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 2023-10-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I got a call, purportedly from my ISP, ( XXXX ) telling me there was a security issue with my Modem/computer, and that they needed remote access. As I eventually figured out, this was a scam, and they established money transfers to several individuals via my PayPal account. 

I contacted PayPal the next morning, and informed them that these transactions were fraudulent. After reviewing, they responded that the transactions were " consistent with my transaction history. Those transactions were in NO way consi8stent in amounts, and several were to foreign individuals, none of which I have even sent money to previously. 

A couple of the transactions were immediately returned, but several were not. The transactions in question are : Paid with ( XXXX XXXXXXXX XXXX XXXXXXXX ) {$150.00} Exchange rate {$150.00} USD = XXXXXXXX XXXX XXXX USD = {$0.00} XXXX Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX Fee XXXXXXXX XXXX Total XXXXXXXX XXXX  Paid with PayPal Credit {$240.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$230.00} Fee {$11.00} Total {$240.00} Paid with PayPal Credit {$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} Total {$260.00} I also contacted XXXX, that night and gave them the details of what happened as well as the phone number the call was from, my bank, who told me that it was up to PayPal, as well as the PayPal XXXX XXXX XXXXXXXX XXXX ), which changed my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me XXXX  XXXX and XXXX. 

I demand that this information be removed from my credit report immediately and once removed that it does not show back up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Personal information incorrect

Complaint:
I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: 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 2023-04-14
Company: EQUIFAX, INC.
State: MA
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:
XXXX you are reporting inaccurate personal information on my consumer report. I have file a dispute informing XXXX that my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that XXXX remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind XXXX you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2022-11-14
Company: Genesis FS Card Services, Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: 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 XXXX credit bureaus must validate this account 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SYNCHRONY FINANCIAL
State: NV
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:
Hello, I sent a letter to Care Credit asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from care credit. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXXXXXX 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 an 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 explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES 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  I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX Date OpenedXXXX

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 2023-02-17
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: Their investigation did not fix an error on your report

Complaint:
According to the FCRA 1681i 5 A, any information that has been deleted from my credit report can not be reinserted unless the person who furnished the information certifies the information is complete and accurate. 
Equifax reinserted information that was previously deleted from my file that is inaccurate and incomplete and not consistent with the other XXXX major credit bureaus. This has resulted in my Equifax XXXX score gaining 100+ points then loosing those points, then gaining them again upon removal, then losing them again last month. 

Below are the accounts that they must remove from my credit file FOREVER! 

XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  GO ACCT # XXXX The above information was deleted from my file and reinserted. This is a violation of my rights under the FCRA to have a complete and accurate credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of EXPERIAN and XXXX reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN DATE OPENED : XX/XX/XXXX XXXX  DATE OPENED : XX/XX/XXXX EXPERIAN XXXX LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX EXPERIAN XXXX LAST ACTIVE : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/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 explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022

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 2022-09-14
Company: Klarna AB
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pursuant to 15 usc 1692b XXXX is a 3rd-party debt collector they've stated I owe an alleged debt to Klarna. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
XXXX has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with XXXX  Pursuant to 15 usc 6802 Klarna has violated my rights by providing my personal information to XXXX XXXX is also in violation of 15 usc 1692c because I XXXX XXXX did not give XXXX my consent to communicate with me about alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I have been going back and forth with Freedom Mortgage for several months about my account. In XXXX of XXXX I did a remodification of my loan. My first payment as I understood was to be XX/XX/XXXX. In the amount of XXXX. I made that payment a few months later you contacted me and told me I was behind. I was told by your reps I made the payment to early and they had accidentally put it into an unapplied funds account. The monies as you will see were put in there, then taken out and put back in again. Each time different amounts for whatever reasons. Each time I talk to you I am told, we're sorry this will be expedited and fixed. It has been put on my credit report several times then removed. I have gotten at least XXXX calls a week from you for almost an entire year, yet it is still not fixed. 
On XX/XX/XXXX I spoke with rep # XXXX. She told me as of XXXX XXXX my payment went up to XXXX. This was the first time I had heard this, yet I had just spoke to a rep there the previous week. She told me I needed to pay XXXX to make up for XXXX XXXX and XXXX of this year. I have already paid out for these 3 months a total of XXXX. Somehow your saying for the 3 months my mortgage increased it cost me XXXX? Now that makes no sense at all. 
When I asked why my payment went up almost XXXX. She said it was due to my insurance rate increasing. Well it did go up an additional XXXX plus dollars. But that equals only an XXXX amount increase each month. 
I would like and am demanding copies of the internal banking/ funds I have paid and when and where they have been applied. I have been told on XXXX separate occasions that a XXXX would reach out to me. Not once has XXXX and it is going on a year now. 
It seems to me someone didn't update my file correctly, accidents do happen and we only see what was entered into the system. If it's entered wrong, hence we see it that way. 
The remode cost me XXXX added to my loan. Now it's right back to the same payment it was before the remode was even done! Seems I was charged the XXXX but the remode never really was completed properly, now my credit is ruined and I owe you more money than I should. 
According to the RESPA act I have the right to all of these records. There was a severe error made on my account and I would appreciate it actually really be expedited as I've been told. 
I look forward to hearing from someone who can look into this from the very beginning, not look at a computer screen that had the wrong information put into it. 
I will be forwarding a copy of this letter to HUD also.

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 2023-08-31
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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