BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
I need Experian to investigate and change the information that they have. Experian refused to update their system on the exact amount that I owe this person. Every time I file an investigation to have corrections made. They will decline that investigation without sending it to the merchant. Experian is reporting the wrong information. 

About two years ago, I went on the XXXX search engine, I found this website called XXXX located may be in XXXX. spoke with a salesperson and we spoke about the product that they had. My first purchase from them was on XXXX for a XXXX ' XXXX XXXX XXXX. Once I paid for the purchase of the TV, was {$170.00} Shipping & Handling1 {$190.00} The scheduled Delivery is {$49.00} and the total price for that TV is {$1400.00}. I have been paying {$80.00} monthly for this tv since for the past 24 months. This company is still taking money out of my account. Also sending the Credit bureau Experian faults information about amount owe. Experian refuses to fight it either. I need help and last year I thought I was done paying them. I paid another purchase this time for {$710.00} the total price has been past 12 months I still see they have a balance of {$470.00}. They have this business and stealing money from consumers.

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 2023-10-24
Company: LEXISNEXIS
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are three public records that range from XXXX to XXXX the Company Lexus nexus is providing for a credit reporting agency. The company says that they contacted me about the situation and they have not. They are saying they got with XXXX Bankruptcy Court on the issue and they did not, the court said they are not responsible for the the information on my report and if there is an issue, the issue should be addressed through court with a motion if the public records are disputed as in accurate. My letter from them states they provided no information to be reported by credit agencies and lexis nexus is saying they did. So I ask that Lexis nexis validate the information they are providing to the reporting agencies and send me the information the court actually provided for them instead of looking at public records as they want be corrected until a motion is filed, per the letter attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NC
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
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: Account information incorrect

Complaint:
Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage 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 2021-04-23
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
BinanceUS took {$1300.00} from my account then blocked withdrawal/transfers. They did this without explanation. 
I have deposited fiat and transferred cryptos many times with them, and this is the first time they took fiat from my account without authorization and blocked access to withdrawals/ transfers. 

On XX/XX/XXXX, I made an ACH deposit of {$1000.00} to BinanceUS. Those are immediately credited to my account, but it did not for some reason. The money cleared my bank but was not credited to the balance on BinanceUS. I immediately submitted a ticket. Essentially, their support staff told me to relink my bank account or re-verify my bank account. The latter made no sense, and I worried it could create a new set of problems as verification is a multiday procedure. I explained that, and they put me in the queue and said not to submit more tickets. However, different issues arose. 

Two days later, {$350.00} disappeared from my account. There was no transaction history, and BinanceUS did not explain. Before this happened, I wanted to withdraw the remaining fiat and transfer my cryptos but received a notification that my withdrawals were locked due to security risk. 

As it stands, binanceUS has total control of my cryptos and has taken {$1300.00} from my account without explanation. 

Attached are our communication and screenshots showing the deposit to binanceUS cleared. Also showing {$350.00} in the account, which disappeared without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account has been paid off and is reporting as a redeemed repossession. The vehicle was never repossessed. The loan has been paid off for 5 years

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 2022-03-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called EQUIFAX to let them know that my score havent been updated since XX/XX/2022 they are doing damage to me personally I need my credit update this is the last request I have called a law on this problem I also talked to a gentleman on XX/XX/2022 and he told me would be updated in 3 to 4 hours never happen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to EXPERIAN, XXXX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and EXPERIANXXXX XXXX  and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated 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 non-monetary relief
Consumer complaint received 2022-03-27
Company: CITIBANK, N.A.
State: LA
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:
My credit card account from Citibank is not reported to XXXX credit bureau as XXXX and XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified Citibank on letter dated XX/XX/XXXX. 

I notified XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate 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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, 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 2021-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After my, the co-borrower on the loan, passed away I couldn't afford to keep the up the maintenance on the house and pay all the bills. I eventually fell behind and the house condition got worse and worse. I applied for a short sale in XX/XX/XXXX and submitted an offer that same month. My authorized third party has submitted the same documentation over and over and still the servicer continues to ask for the same things over and over again. A couple months after I was under review for a short sale, the servicer hired an attorney and filed a foreclosure complaint. I applied for the short sale long before a law suit was ever even filed. The offer that was submitted was rejected so the buyer came in at full price based on the XXXX performed by servicer. Still, they continue to reject for the same reason over and over again. My authorized third party has been on the phone for hours with representatives and supervisors trying to get this resolved. Everytime she calls she is told to send something else in that has already been sent but it is still rejected. The house continues to get worse and worse the longer this drags out. My son and I were forced to move out of the property because of the condition and now because the servicer has taken so long, they say that I am not eligible for any relocation assistance because I no longer live there. Had they reviewed the complete package and accepted the full price offer instead of going round and round for almost a year I would have been eligible for the assistance which I desperately need. The foreclosure was filed in XX/XX/XXXX and by that time I had already been forced to go part time because of COVID so that my son could do distance learning. My credit is so much worse than it would have been because now I have 6-8 more missed payments than I should. What they are doing and have done is predatory and wrong. I have complied with every single request for documentation and I don't know what else to do to get out of this situation, and I feel like they are forcing me into foreclosure which is the last thing I want. There is now another sale date set for the property which XX/XX/XXXX. The first one was set in XXXX and we got that postponed in hopes that this would get resolved, which unfortunately I really don't see happening at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to file a formal complaint against Trans Union regarding their failure to remove false information from my credit report. As a concerned consumer, I believe that Trans Union has violated my rights by inaccurately reporting information that has negatively impacted my financial standing. 

I first discovered the false information on [ date ] when I obtained a copy of my credit report. To my surprise, Trans Union had included [ specific details of false information, such as inaccurate account balances or unauthorized accounts ]. These errors have tarnished my creditworthiness, causing significant distress and hindering my ability to secure favorable financial opportunities. 

I promptly took action by disputing the incorrect information with Trans Union, providing all the necessary supporting documentation to prove the inaccuracies. However, despite my repeated attempts, Trans Union has failed to take any corrective measures or provide a satisfactory resolution. Their lack of response and inaction have not only prolonged the damage caused but have also left me feeling helpless and frustrated. 

It is disheartening to realize that a credit reporting agency like Trans Union, which holds significant responsibility in safeguarding consumers ' creditworthiness, has neglected its duty to ensure accurate reporting. The false information has affected my ability to obtain loans, credit cards, and even housing opportunities. I firmly believe that Trans Union 's negligence and failure to rectify this situation are in violation of the Fair Credit Reporting Act ( FCRA ) and the rights bestowed upon me as a consumer. 

I kindly request that the XXXX XXXX XXXX  intervene and facilitate a resolution to this matter. I am seeking immediate action from Trans Union to remove the false information from my credit report, as well as an apology for the inconvenience caused and compensation for the damages endured. 

Enclosed with this complaint, please find copies of all relevant documents, including correspondence with Trans Union, credit report discrepancies, and any additional evidence that supports my claim. I trust that the XXXX will thoroughly investigate this matter and work diligently to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Please feel free to contact me if you require any further information or clarification.

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 2021-04-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a paypal account for over 4 years now and all of a sudden they quit letting me withdraw by check. Now they want me to add a bank account to paypal before I can withdraw my funds. That is totally ridiculous as I never had a bank account. I sell a couple of things a month on ebay and use that to pay some small bills. Now today I even tried to close my account and send check by mail which they told me they can do. But each time I go online to close it it asks me to add a bank account out of the blue ... My last check withdrawal was last month and now they say I cant? I believe what they are doing is illegal. They have had me verify my address, phone number, SSN and all and they act like they dont know me any more. This is very frustrating. I will upload the chat but please forgive my language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2021-04-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid-19 I requested mortgage assistance back in XX/XX/XXXX, which Citizens One submitted me a loan modification application to apply for help, which I submitted a Mortgage Assistance Application and was confirm received as of XX/XX/XXXX. Was identified that it would take 30-45 days. In the mean time I was place on a Forbearance to avoid being late on my credit. I was following up with my mortgage company to make a least 1 mortgage payment and to inquire on the update on the modification packet. So I waited for months and each month I was identified that its under review, I was also identified to in XX/XX/XXXX that a deferment was an option, however, I identified that a deferment would not help because the reduction in my income. I shared multiple times that I need to be review for a modification and that again not for a deferment. However, Citizens One ends up offering me a deferment and said I was denied for a streamline modification because my account needed to be 90 days past due and that they did not review my file for a traditional modification, the packet they received in XX/XX/XXXX was never reviewed and if I need help with a loan modification I have to re-apply. Even though my original packet was never reviewed. The company appears to be using a " Bait and Switch '' tactic, because I asked for a loan modification review, submitted an application and they switched it for a deferment, this appears to be a tactic to stall and delay my account for me to go further past due in order for them to foreclose on my home and take it from me, I have been patient due to covid. Now the only way they are willing to help is by demanding another loan modification application, which is unnecessary since they never review me from the start with the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MS
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 been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX XXXX experian

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 2021-04-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On my experian Credit Report there is a fraudulent account reporting from XXXX XXXX XXXX XXXX XXXX partial account # XXXX ) I have never done business with or held and XXXX XXXX cars in my name. When this account was established in the XXXX XXXX XXXX XXXX XXXXXXXX I was a full-time resident in XXXX XXXX XXXX MO ... XXXX I have been going back in forth with both and experian and XXXX XXXXor years now .... The have never supplied me with any verifying information on this account or anything.

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