BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Radius Global Solutions LLC
State: TN
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 have XXXX XXXX XXXX XXXX reporting on my credit that I purchased a car from a XXXX Dealership in XXXX Alabama. Upon contacting the company I was routed to multiple people that had no information to share with me about the account. After calling back again I was given a reference number and referred to another company. Radius Global Solutions LLC and was informed that I owned a XXXX XXXX XXXX. This time I was informed that the vehicle was purchased from XXXX XXXX XXXX in XXXX of 2023. After a spirited discussion with the representative I informed him that I purchased a car from another dealer and he could not provide any information from vin number to location of purchase and immediately offered a fraud alert. He refused to answer why they fraudulently used inaccurate information on my credit report and hung up the phone.

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 2023-03-08
Company: EQUIFAX, 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:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I did purchase with my PayPal account and they blocked my account, with no explanation. I tried everything ( phonecalls, mails, XXXX contact ) but they decide to hold my funds for 180 days. I still disagree with the decision to deny my appeal I will abide by it however, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

Now, 6 months later I need my founds and the do not contact me or anything. 

I Still have to hold XXXX $ on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX, XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX, I called the loan servicing company ( XXXX XXXX ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgage Billing Statement ( attached ) dated XXXX/XXXX/XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreement XXXX on XXXX XXXX, XXXX and it was not completed until XXXX XXXX I received the executed copy of the Modification in XXXX XXXX, which was dated XXXX/XXXX/XXXX, which is obviously incorrect. ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender ( XXXX XXXX XXXX ) and XXXX when they were due since XXXX XXXX, XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX/XXXX/XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX. All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!

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 2023-08-04
Company: Experian Information Solutions Inc.
State: SC
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 would like XXXX XXXX TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed 3 accounts with Experian on XX/XX/2022. I have yet to receive confirmation of dispute or response in reference to my letter.

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 2019-07-29
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Greetings! 

Thank you for taking the time to listen to my concern. I work in the nonprofit sector and have been doing so for 12 years. I planned to apply for loan forgiveness when my 10 years worth of payments were complete. I checked program guidelines and thought everything was in order. However, I was mistaken. Me and many other smart people did not qualify afterall!! I applied for loan forgiveness in 2017 and was denied. I didn't realize I had to have Federal Direct Loans. When I found out I immediately consolidated at which point I was told my 10 years time clock now starts OVER! Also, I was told I have to be on a " income based repayment plan ''. That would double my monthly payment and all my loans would be paid in another 10 years. This doesn't make any sense. I worked 10 years for qualifying nonprofits. I made 12 years worth of consecutive payments. I still owe a ton of money. Why can't those funds be forgiven?? My husband has had the same experience. I found out recently my State Representative and other prominent people working in the nonprofit sector have had the same experience. This is WRONG. Even with the temporary assistance bill that was passed, we and many others still can't get assistance. This is a broken promise. Guidelines were not communicated or communicated well or we wouldn't be in this situation. This is mismanagement of public funds. This is a SHAME! Please help find a remedy for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-09-29
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:
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-04-13
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:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

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 2023-08-04
Company: Experian Information Solutions 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:
In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.

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 2023-08-04
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;

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 2017-05-19
Company: HYUNDAI CAPITAL AMERICA
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Complaint number :  XXXX  This has not been resolved, we have made numerous calls to  Hyundai Financial an d we still do not have our title, even the   XXXX   XXXX   called them on  XXXX   XXXX  and we still ca n't get it.     First they said they sent the title on  XXXX   XXXX , then the  XXXX  on the next call.     Then they said they had sent us a title release letter on  XXXX   XXXX  we finally did get one dated  XXXX   XXXX  and it 's absolutely worthless it has to be electronically transmitted to the  XXXX .     The last call a couple of days ago they claimed they sent it electronically to the   XXXX   XXXX   XXXX  on  XXXX   XXXX  we live in Nebraska and have done for 25 years.     We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent!     Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX /  XXXX   Date sent to company :  XXXX / XXXX /  XXXX   Product : Consumer Loan Issue : Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Navient Solutions, LLC.
State: IN
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 sent a certified letter on XX/XX/2021 to Navient asking them to stop contacting me about my student loans. They continue to call me, at least once a month, including calling family member 's whose numbers I never gave them. They are also reaching out via email to multiple email accounts. The phone calls and emails have been increasing in frequency ( now at least weekly ) in the past month. I have told multiple representatives that I do not want to be contacted about this debt, that I am aware it exists but am unable to pay. I have told them that I sent a certified letter asking for them to stop contacting me. I told them to stop harassing me and my family. I would not be surprised if they are reaching out to old employers as well, as they have in the past. I received another call today, less than a week since I spoke to the last representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. 
I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped.

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 2023-01-25
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX  data breach as well as XXXX XXXX  2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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