BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: Navient Solutions, LLC.
State: AZ
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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii  ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF ED/NAVIENT ( still reporting ), XXXX XXXX XXXX has emailed me that they will be selling my information yet again to XXXX XXXXXXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Statement Closing Date XX/XX/XXXX for {$310.00} was paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX leaving {$62.00} on Credit. ( On time ) Statement Closing Date XX/XX/XXXX for {$320.00} with Missing Payment Credit of {$62.00} applied to previous month total balance. 

Statement Closing Date XX/XX/XXXX for {$630.00} with past due payment of {$320.00} was paid XX/XX/XXXX and XX/XX/XXXX for {$320.00} ( on time and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due amount of {$630.00} was paid {$320.00} on XX/XX/XXXX and XX/XX/XXXX ( 13 days late and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 14 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 8 and 16 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$480.00} was paid XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the the amount of XXXX ( 19 days late with prorated due payment of {$170.00} )

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
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am intrested in disputing my credit report with XXXX checking my file ive noticed alot of invalid information that is hindering my file. all data should be XXXX  % accurate on each file and it is currently not. update all information requested.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : XXXX XXXX XXXX and Experian. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, Experian, XXXX. * Account XXXX : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, Experian and XXXX. * 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 2017-11-22
Company: Experian Information Solutions 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:
Experian is incorrectly reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account on numerous occasions and the company has yet to respond or produce any evidence to validate said debt. I sent a 609 letter to Experian on XX/XX/XXXX along with my ID in an attempt to get this matter resolved. The collection was not removed nor was any evidence produced to validate the debt. I called Experian on XX/XX/XXXX to once again, in an attempt to have this fraudulent and incorrect account removed from my credit report as I am in underwriting for a mortgage and i can not move forward with the process until this matter is resolved. I was then advised to make a claim with CFPB because the company would keep reporting the debt. Under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. They were unable to provide me with a copy of the verifiable proof that this was in fact a valid debt within 30 days of my request therefore they must remove XXXX XXXX XXXX acct # XXXX permanently and 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-02-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal was Permanently limited my Account, it said that " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement '' but I used my Account on right way, I'm not violating their policy, I'm using it since 2020 to have transactions with my client from other country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXXI account : XXXX ( XXXX XXXX XXXX XXXX ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX XXXX XXXX XXXX  and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX  ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, 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 2022-04-19
Company: World Omni Financial Corp.
State: SC
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:
On XX/XX/XXXX I electronically paid off the entirety of the debt on my car, on XX/XX/XXXX the money cleared my bank. monday XX/XX/XXXX I go to the dmv to get my title and the DMV tells me that omni has not released my title. As soon as they electronically release my title I will be able to get my title I call omni on XX/XX/XXXX and they tell me they can nor release my title for several weeks because they have to make sure the bank can not recall the money, but if I go to the bank and get the bank to say that they will not ask for the money back they will release my title all I have to do is fax them a statement from the bank showing that the payment is good. I go to the bank get a statement showing that the money actually came out of my account, the bank manager assures me that they can not recall that money, then they put the bank stamp on it. 

The omni person told me to put her name on the fax, " XXXX '', and I was to fax it to XXXX, with early release, and proof of payment/cleared bank highlighted on the paper I sent it. She said that they could get it released by the next day. 

I call then ext day on XX/XX/XXXX and now a new person says that they wont even get the fax for 72 hours.

They are just making me run around and jump through hoops. I need my title now, not several weeks from now. All they have to do is press a button to release my title electronically and they refuse even though they have the money, and proof its been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Apartments charged me {$9000.00} for an apartment I didnt reside in in XXXX. It is XXXX and Im still being affected by this. I called and left emails to let them know and they failed at answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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 information incorrect

Complaint:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.

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 2022-01-10
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: Was not notified of investigation status or results

Complaint:
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

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 2019-10-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is one that I have been fighting with XXXX XXXX college for sometime now. It is from Classes that their counselor enrolled me on for fall XXXX after I told them that my financial situation has changed and I will have to work instead of going to school. The counselor put through the online enrollment despite me telling her not to leaving me with a bill for the classes. I had sent in petitions and letters to the school informing them of the error but each time their financial department pretended that they received nothing and then proceeded with sending me to collections. 

I tried to explain to them numerous times that had I intended on enrolling these classes I would have filled out a BOGG waiver as I had done for every other semester. The fact that I out of nowhere stopped filling out financial aide when I am a single mother of two should have been enough for the financial department to at least investigate and work with me on a solution but they just kept ignoring me. 

The first letter I received from Conserve, XXXX XXXX XXXX, was in XX/XX/XXXX It was the typical letter giving me 30 days to dispute before it hit my credit. I sent in my letter of dispute explaining this situation and informed them I would like any further contact via written letter so that I can keep it for my records since the college kept trying to dodge me and I was left with no proof. They never responded. I waited the 30 days as allotted by law and when I didn't hear from them and when they did not respond I relaxed figuring that they had removed the account due to my dispute. However, they did not. They ignored my dispute, waited a few months ( maybe hoping I would forget that I sent in a dispute letter within the legal amount of time? ) then reported the account to Credit Agencies for {$180.00}. 

I disputed this account back and XXXX and they did not report on my Credit report until XXXX. 

I started receiving several phone calls with from XXXX and have ignored all of them due to my request for all info to be in writing. 

I disputed VIA my credit report as soon as I saw it and they finally responded in the mail. But what they sent me was only proof that the counselor had enrolled me online and that I had applied in school in general. They did not acknowledge that they did not respond to me original dispute and proceeded to illegally ignore it and report me to credit anyway. They also marked this dispute as resolved and the dispute is not resolved. 

I am reporting the agency for reporting to credit while ignoring my legal right to written dispute. As well as harassing me via phone after being requested that there be no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Siggi LLC
State: AE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was speaking with a XXXX Solder and he told me details about the Omni lawsuit and how he was supposed to receive a check from the settlement. But I have had loans with them in the past and received no such settlement or reach out to let me know anything about the suit. Please feel reach to reach me at my email address or XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PayPal closed XXXX of our members ATM card. I made a new complaint through their resolution center which I specifically stated that I was disputing the charge and that the card was NOT LOST AND NO ONE WAS GIVEN THE PIN. 

Now he is once again stuck with NO MONEY in the middle of NO MANS LAND. 

***Since this is a matter that involves discrimination ALL COMMUNICATIONS ARE TO BE IN WRITING TO THE ADDRESS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2020-04-10
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company - BSI Financial Services Loan Number - XXXX On their website, I am unable to make payment using my name, SSN or Loan Number No one is picking their Toll Free numbers XXXX XXXX They keep adding late fees which is incorrect as there is no option to make a payment. 

Now they want to foreclose Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation